Atlas A&D Opportunity Fund III LP ABS-15G
Exhibit 99.4
Rating Agency Grades Detail Report
2026_ADMT-NQM6_Final
Run Date - 7/21/2026 16:00:00 PM
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 154 | C | A | C | A | A | A | A | A | Closed | FCRE1166 | 2024-05-31 11:09 | 2024-06-04 07:46 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Replacement cost info clears finding - Due Diligence Vendor-06/04/2024 Ready for Review-Document Uploaded. Replacement cost is included. Please see attached. - Buyer-06/04/2024 Open-Hazard Insurance Coverage Amount of $[Redacted] is less than Total Amount of Subject Lien(s) of $[Redacted] - Due Diligence Vendor-05/31/2024 |
Resolved-Replacement cost info clears finding - Due Diligence Vendor-06/04/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 1766736 | |||||
| 155 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 156 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 157 | C | A | C | A | A | A | A | A | Closed | FCRE9802 | 2024-08-26 12:33 | 2024-08-29 09:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower is First Time Homebuyer and Program Does Not Allow This | Resolved-not a FTHB as demonstrated on page 165 - Due Diligence Vendor-08/29/2024 Ready for Review-We have QCD as a proof of previous ownership. Please check p. 165 of pkg #2 - Buyer-08/29/2024 Open-Borrower cannot be first time homebuyer for this program FTHB is not allowed in DSCR file - Due Diligence Vendor-08/26/2024 |
Resolved-not a FTHB as demonstrated on page 165 - Due Diligence Vendor-08/29/2024 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 2255353 | ||||||
| 157 | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2024-08-26 12:11 | 2024-08-29 09:16 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-08/29/2024 Ready for Review-We have QCD as a proof of previous ownership. Please check p. 165 of pkg #2 - Buyer-08/29/2024 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] * 6 months reserves $[Redacted] , available $[Redacted] = Shortage $ [Redacted] . Need additional 2 months of asset statements. Note: Borrower is a FTHB , per guide minimum 6 reserves needed. - Due Diligence Vendor-08/26/2024 |
Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-08/29/2024 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 2255162 | ||||||
| 158 | B | B | B | B | A | A | B | B | Closed | FVAL5474 | 2024-08-29 08:35 | 2024-08-29 08:35 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As per guide, the master policy should include the equipment breakdown, ordinance coverages. *Exception form is provided for missing equipment breakdown, ordinance coverages *Exception form is on page #345 of 378 *Approved Conditions: 0.25 to price - Due Diligence Vendor-08/29/2024 |
Waived-As per guide, the master policy should include the equipment breakdown, ordinance coverages. *Exception form is provided for missing equipment breakdown, ordinance coverages *Exception form is on page #345 of 378 *Approved Conditions: 0.25 to price - Due Diligence Vendor-08/29/2024 |
5+ years credit history, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 2276494 | |||||
| 158 | B | B | B | B | A | A | B | B | Closed | FCRE1200 | 2024-08-29 08:29 | 2024-08-29 08:31 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of [Redacted] is less than the Guideline Minimum Loan Amount of [Redacted] As per guide, the Guideline Minimum Loan Amount of [Redacted] *Exception form is provided to allow loan amount under [Redacted] it's at [Redacted] *Approved Conditions: +0.25 in price *Exception form is on page #344 of 378 - Due Diligence Vendor-08/29/2024 |
Waived-Audited Loan Amount of [Redacted] is less than the Guideline Minimum Loan Amount of [Redacted] As per guide, the Guideline Minimum Loan Amount of [Redacted] *Exception form is provided to allow loan amount under [Redacted] it's at [Redacted] *Approved Conditions: +0.25 in price *Exception form is on page #344 of 378 - Due Diligence Vendor-08/29/2024 |
5+ years credit history, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 2276426 | |||||
| 159 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 160 | C | B | C | B | C | A | A | A | Closed | FCRE9802 | 2024-09-23 00:28 | 2024-10-21 20:18 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower is First Time Homebuyer and Program Does Not Allow This | Waived-Exception granted: Allow - Borrower is First Time Homebuyer - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded. - Buyer-10/21/2024 Counter-per guidelines FTHB owning a property outside US is only on Foreign national programs. this is not a FN loan. please clarify - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded. Borrower is not FTHB - Buyer-09/25/2024 Open-Borrower cannot be first time homebuyer for this program Borrower is First Time Home Buyer whereas First Time Home Buyer is not allowed per Guidelines for DSCR loans. - Due Diligence Vendor-09/23/2024 |
Waived-Exception granted: Allow - Borrower is First Time Homebuyer - Due Diligence Vendor-10/22/2024 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 2432040 | ||||
| 160 | C | B | C | B | C | A | A | A | Closed | FCOM7379 | 2024-09-23 10:43 | 2024-09-25 06:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Calculating Cash to Close Seller Credit discrepancy | Resolved-contract info provided to support. - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded. - Buyer-09/25/2024 Open-Please provide supporting documentation to verify Seller Credit of $13,414 reflecting in Final CD Page #13 Signed Closing Pkg - Due Diligence Vendor-09/23/2024 |
Resolved-contract info provided to support. - Due Diligence Vendor-09/25/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 2436477 | |||||
| 161 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 162 | B | B | B | B | A | A | A | A | Closed | FCRE1174 | 2024-10-02 00:26 | 2024-10-02 03:03 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Condo Insurance Policy Partially Provided Master policy does not include equip and wind/storm, Related Exception Form in the file page no #185- Credit Package.pdf. - Due Diligence Vendor-10/02/2024 | Waived-Master Condo Insurance Policy Partially Provided Master policy does not include equip and wind/storm, Related Exception Form in the file page no #185- Credit Package.pdf. - Due Diligence Vendor-10/02/2024 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months - No Late Payment for Mortgage Tradelines, 3. 5+ years credit history- Oldest tradeline date in CBR page # 469 of Credit Package.pdf is 05/01/1995. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 2501434 | |||||
| 163 | D | B | D | A | A | A | B | B | Closed | FCRE3876 | 2024-10-04 05:47 | 2024-10-08 09:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title E&O Policy Missing or Expired | Resolved-O&E now present - Due Diligence Vendor-10/08/2024 Ready for Review-Document Uploaded. Title O&E Policy is attached. - Buyer-10/07/2024 Open-Title O&E Policy is Missing or Expired Please provide Title agency document as it is missing in the file. Insurance in Pages #381 - Due Diligence Vendor-10/04/2024 |
Resolved-O&E now present - Due Diligence Vendor-10/08/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2523870 | |||||
| 163 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2024-10-04 06:21 | 2024-10-04 08:12 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Condo budget reserves below 8%, however we have exception in page#384_Credit Package.pdf - Due Diligence Vendor-10/04/2024 |
Waived-Condo budget reserves below 8%, however we have exception in page#384_Credit Package.pdf - Due Diligence Vendor-10/04/2024 |
No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history- Oldest tradeline date in CBR page # 446_Credit Package.pdf is 12/01/2008 No consumer late payments in the last 24 months - No Consumer late payments in CBR Page #446_Credit Package.pdf DSCR>1.25 - Calculated DSCR is 1.373 which is >1.25 2 properties ownership - Borrower has ownership in 2 properties as per final 1003 in page #58_Signed Closing Package.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 2524128 | |||||
| 164 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 165 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 166 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 167 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2024-10-14 05:31 | 2025-12-18 03:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-new loan - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. [Redacted] is Borrower`s other [Redacted] loan [Redacted]. Please see the Note as confirmation. - Seller-10/16/2024 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide supporting documentation to verify Mortgage for REO "[Redacted] with balance $[Redacted]" - Due Diligence Vendor-10/14/2024 |
Ready for Review-Document Uploaded. [Redacted] is Borrower`s other [Redacted] loan [Redacted]. Please see the Note as confirmation. - Seller-10/16/2024 |
Resolved-new loan - Due Diligence Vendor-10/17/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2588079 | ||||
| 167 | D | A | D | A | A | A | A | A | Closed | FCRE8450 | 2024-10-14 06:19 | 2024-10-18 08:31 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Rental Income not supported | Resolved-Lender used lower rents and while appraisal does not include the $[Redacted] HOA fees, lender still is. DSCR score by TPR is higher due to no proof of $[Redacted] HOA fee - Due Diligence Vendor-10/18/2024 Ready for Review-Confirmed using of 0.817. Calculations are:[Redacted] (current long term rent) / [Redacted] PITIA = 0.817. - Seller-10/17/2024 Counter-please confirm you want to use the .819 - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. DSCR was updated with current long term rent of 3,250, please see updated Lock form, 1008. - Seller-10/16/2024 Open-Short Term rental income is not eligible for refinance loans especially for Tenant occupied Transactions per Guidelines 08/01/2024 Page #55, As of now considered the short-term rental income for DSCR calculations. - Due Diligence Vendor-10/14/2024 |
Ready for Review-Confirmed using of 0.817. Calculations are: [Redacted] (current long term rent) / [Redacted] PITIA = 0.817. - Seller-10/17/2024 Ready for Review-Document Uploaded. DSCR was updated with current long term rent of 3,250, please see updated Lock form, 1008. - Seller-10/16/2024 |
Resolved-Lender used lower rents and while appraisal does not include the $[Redacted] HOA fees, lender still is. DSCR score by TPR is higher due to no proof of $[Redacted] HOA fee - Due Diligence Vendor-10/18/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2588340 | ||||
| 167 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2024-10-14 06:23 | 2024-10-18 08:31 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Lender used lower rents and while appraisal does not include the $[Redacted] HOA fees, lender still is. DSCR score by TPR is higher due to no proof of $[Redacted] HOA fee - Due Diligence Vendor-10/18/2024 Ready for Review-Calculations are: [Redacted] (current long term rent) / [Redacted] PITIA = 0.817. - Seller-10/17/2024 Counter-confirm calculations. Original finding was because DSCR should be 2.032 and new tape is now showing is .817 - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. DSCR was updated with current long term rent of 3,250, please see updated Lock form, 1008. - Buyer-10/16/2024 Open-Originator DSCR Is 1.940 and the Calculated DSCR is 2.032, the Variance is 0.092. Calculated Rent amount from [Redacted] in page #276_Credit Package.pdf DSCR calculation: Rent amount $[Redacted] PITIA $ [Redacted] = 2.032, Lender considered other fee amount of $[Redacted] in 1008 - Please provide supporting documentation to verify the same - Due Diligence Vendor-10/14/2024 |
Ready for Review-Calculations are: [Redacted] (current long term rent) / [Redacted]PITIA = 0.817. - Seller-10/17/2024 |
Resolved-Lender used lower rents and while appraisal does not include the $[Redacted] HOA fees, lender still is. DSCR score by TPR is higher due to no proof of $[Redacted] HOA fee - Due Diligence Vendor-10/18/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2588375 | ||||
| 167 | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2024-10-14 13:50 | 2024-10-17 13:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-country provided - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. Please see Permanent resident card with photo and specifying Brw`s country of birth. - Buyer-10/16/2024 Open-Please provide Borrower's Photo Id as it is missing in File. As of now, considered Driving License indications from USA Patriot Act page #94 Executed Closing docs - Due Diligence Vendor-10/14/2024 |
Resolved-country provided - Due Diligence Vendor-10/17/2024 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2594064 | |||||
| 168 | B | B | B | B | A | A | A | A | Closed | FCRE1174 | 2024-10-14 06:45 | 2024-10-14 10:32 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Condo Insurance Policy Partially Provided Master Insurance no Ordinance and law coverage, Exception Form in the file page no #17- Closing docs.pdf - Due Diligence Vendor-10/14/2024 | Waived-Master Condo Insurance Policy Partially Provided Master Insurance no Ordinance and law coverage, Exception Form in the file page no #17- Closing docs.pdf - Due Diligence Vendor-10/14/2024 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. 5+ years credit history- Oldest tradeline date in CBR page # 75 of Closing docs.pdf is 11/01/2004, 3. No Mortgage Late Payments in the Last 24 Months- No Late Payments for Mortgage Tradelines. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 2588550 | |||||
| 169 | B | B | A | A | A | A | B | B | Closed | FPRO1136 | 2024-10-27 09:04 | 2024-10-29 11:48 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived-Primary Value Subject Property Appraisal is not on an As-Is Basis Exception in Page #303 [Redacted].pdf to proceed with the closing without the repairs, buyer agrees for escrow hold back for the value of repairs - Due Diligence Vendor-10/27/2024 | Waived-Primary Value Subject Property Appraisal is not on an As-Is Basis Exception in Page #303 [Redacted].pdf to proceed with the closing without the repairs, buyer agrees for escrow hold back for the value of repairs - Due Diligence Vendor-10/27/2024 |
No consumer late payments in the last 24 months, - No late payments per Credit Report Page #200 [Redacted].pdf LTV 10% below maximum, - Calculated LTV 70% and Maximum LTV is 80% Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 2690571 | |||||
| 170 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 171 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 172 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 173 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 174 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 175 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 176 | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2025-01-14 23:43 | 2025-01-24 08:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Subject loan amount [Redacted] is less than minimum loan amount [Redacted]. However, exception document in page # 246 of [Redacted].pdf - Due Diligence Vendor-01/15/2025 | Waived-Subject loan amount [Redacted] is less than minimum loan amount [Redacted]. However, exception document in page # 246 of [Redacted].pdf - Due Diligence Vendor-01/15/2025 |
No credit events past 48 months, No mortgage late payments in last 24 months, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3207550 | |||||
| 176 | C | B | C | B | A | A | A | A | Closed | FCRE8800 | 2025-01-14 23:51 | 2025-01-24 08:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-valid comp factors now present - Due Diligence Vendor-01/24/2025 Ready for Review-Document Uploaded. Please find attached an updated exception form with revised compensating factor to The credit score more than 40 points higher than needed. - Buyer-01/23/2025 Open-Minimum 3 valid Compensating Factors required to accept Exception Form whereas Provided Exception has only 2 Compensating Factors with below invalid Point - 1. DSCR >= 1.3 - whereas calculated DSCR is 1.233 which is less than 1.3 (Eligibility does not met) - Due Diligence Vendor-01/15/2025 |
Resolved-valid comp factors now present - Due Diligence Vendor-01/24/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3207569 | |||||
| 177 | C | A | C | A | A | A | A | A | Closed | FCRE7009 | 2025-01-15 01:59 | 2025-01-17 08:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE now present - Due Diligence Vendor-01/17/2025 Ready for Review-Document Uploaded. We have insurance dwelling of $[Redacted] and RC is $[Redacted] - Buyer-01/16/2025 Open-Hazard insurance dwelling amount is $[Redacted] Which is less than Loan amount $[Redacted], Please provide valid Hazard Insurance Document. - Due Diligence Vendor-01/15/2025 |
Resolved-RCE now present - Due Diligence Vendor-01/17/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3207797 | |||||
| 178 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 179 | C | A | C | A | A | A | A | A | Closed | FCRE8086 | 2025-01-29 09:28 | 2025-02-07 09:37 | Resolved | 1 - Information | C | A | Credit | Closing | Guaranty Agreement Missing | Resolved-signed copy now present - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. Please find attached - Buyer-02/07/2025 Open- - Due Diligence Vendor-01/29/2025 |
Resolved-signed copy now present - Due Diligence Vendor-02/07/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3306667 | |||||
| 180 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | ||||||||||||||||||||
| 181 | C | B | B | B | A | A | C | B | Closed | FVAL9739 | 2025-02-11 08:14 | 2025-02-19 13:31 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-condo litigation docs provided - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. The project has been already approved previously for another previously closed loan. Please see attached litigation docs from another loan for property in this project. - Buyer-02/19/2025 Open-Litigation details provided on HOA pg.# 223 but supporting attorney docs missing in the file. - Due Diligence Vendor-02/11/2025 |
Resolved-condo litigation docs provided - Due Diligence Vendor-02/19/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3395953 | |||||
| 181 | C | B | B | B | A | A | C | B | Closed | FVAL5474 | 2025-02-10 16:24 | 2025-02-10 16:24 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-*In Condo Questionnaire it is mandatory 3rd Party Fees to be paid. *Exception provided for Condo Questionnaire mandatory 3rd Party Fees, same exception approved for [Redacted], same project, exception approval attached to the doc manager. *Exception: pg.#153 of 212 *Approved with Condition: 0.25 to price & no other exceptions allowed - Due Diligence Vendor-02/10/2025 |
Waived-*In Condo Questionnaire it is mandatory 3rd Party Fees to be paid. *Exception provided for Condo Questionnaire mandatory 3rd Party Fees, same exception approved for [Redacted], same project, exception approval attached to the doc manager. *Exception: pg.#153 of 212 *Approved with Condition: 0.25 to price & no other exceptions allowed - Due Diligence Vendor-02/10/2025 |
No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3392277 | |||||
| 181 | C | B | B | B | A | A | C | B | Closed | FCRE1200 | 2025-02-10 16:21 | 2025-02-10 16:21 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*Loan amount is Less than [Redacted] *Exception provided for to allow Loan amount of $[Redacted] *Exception Pg.#152 of 212 *Approved with Condition: 0.25 to price & no other exceptions allowed - Due Diligence Vendor-02/10/2025 |
Waived-*Loan amount is Less than [Redacted] *Exception provided for to allow Loan amount of $[Redacted] *Exception Pg.#152 of 212 *Approved with Condition: 0.25 to price & no other exceptions allowed - Due Diligence Vendor-02/10/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3392258 | |||||
| 182 | C | B | B | B | C | A | A | A | Closed | FCOM3571 | 2025-02-11 08:36 | 2025-02-13 13:54 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-NBS signature is now present on uploaded document - Due Diligence Vendor-02/13/2025 Ready for Review-Document Uploaded. Please see attached signed Final CD - Buyer-02/13/2025 Open-NBS signature is missing on Final CD Pg. no 14 of 125 only Signature line with name is provided - Due Diligence Vendor-02/11/2025 |
Resolved-NBS signature is now present on uploaded document - Due Diligence Vendor-02/13/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3396304 | |||||
| 182 | C | B | B | B | C | A | A | A | Closed | FCRE1173 | 2025-02-11 07:58 | 2025-02-11 07:58 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Waived-Missing Master Condo Insurance Policy -As per guide if Subject property is condo then there should be property master policy insurance providing building coverage -Exception form provide to allow proceed with loan without master policy is file. -Exception from On pg. no 215 of 280. -Approved condition :- [Redacted] Max, 0.25 to price - Due Diligence Vendor-02/11/2025 |
Waived-Missing Master Condo Insurance Policy -As per guide if Subject property is condo then there should be property master policy insurance providing building coverage -Exception form provide to allow proceed with loan without master policy is file. -Exception from On pg. no 215 of 280. -Approved condition :- [Redacted] Max, 0.25 to price - Due Diligence Vendor-02/11/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3395732 | |||||
| 183 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 184 | C | A | C | A | A | A | A | A | Closed | FCRE1482 | 2025-02-13 08:26 | 2025-02-14 12:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-missing days to complete a full 30 days of assets are now present - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. Please find the #[Redacted] BS from Oct 19 to Nov 20. - Buyer-02/14/2025 Open-Asset 4 Does Not Meet Guideline Requirements Account# [Redacted] available on page #66 : Per guide need 1 month : 30 days of asset statement but account# [Redacted] is for 27 days only. Note: period is from [Redacted] to [Redacted] - Due Diligence Vendor-02/13/2025 |
Resolved-missing days to complete a full 30 days of assets are now present - Due Diligence Vendor-02/14/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3415774 | |||||
| 185 | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2025-02-14 14:25 | 2025-02-20 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved- - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. The documentation on file should be sufficient as everything reflects the borrowers spouse live together and share the same primary. The 1003 was marked by mistake, we don’t have an LOX in file to confirm this but the supporting docs for the borrowers mailing address- bank statement/ID & CR all support [Redacted]. While we also have the appraisal conforming tenant occupied as well. - Buyer-02/20/2025 Open-Borrower 2 Primary Address is our Subject proeprty declared on Final 1003 current home section (refer pg.#57). Then same as an Investment in REO section pg.# 59 and now processed as DSCR. Need Clarification regarding borrower current occupancy status. (Or borrower's present current residing property address.) - Due Diligence Vendor-02/14/2025 |
lender provide supporting docs that borrower does not occupy - 02/20/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3429127 | |||||
| 186 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-02-24 08:13 | 2025-02-25 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/25/2025 Ready for Review-The mortgage has not been recorded yet. The recorded mortgage will be sent upon the receipt. - Buyer-02/25/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/24/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/25/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3468624 | ||||||
| 187 | D | B | D | B | A | A | B | B | Closed | FCRE1491 | 2025-02-21 13:02 | 2025-02-26 13:27 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Proof of sole ownership clears finding - - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. he’s the sole owner, so no letter from other owners is required - Buyer-02/26/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Business Account #[Redacted] refer pg#119 of 389 ownership proof is missing Note: pg.# 150 verified this business account is still active however, ownership proof with an access lox will be needed if applicable. - Due Diligence Vendor-02/21/2025 |
Resolved-Proof of sole ownership clears finding - - Due Diligence Vendor-02/26/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3464592 | |||||
| 187 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2025-02-21 10:28 | 2025-02-25 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/25/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/21/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/25/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3462986 | ||||||
| 187 | D | B | D | B | A | A | B | B | Closed | FCRE1174 | 2025-02-21 13:27 | 2025-02-21 13:27 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Exception provided for ordinance or law endorsement into included into Master Ins Exception for page# 346 of 389 Approved With Conditions: 0.25 to price & DSCR > 1 required - Due Diligence Vendor-02/21/2025 |
Waived-Exception provided for ordinance or law endorsement into included into Master Ins Exception for page# 346 of 389 Approved With Conditions: 0.25 to price & DSCR > 1 required - Due Diligence Vendor-02/21/2025 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3464770 | |||||
| 187 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2025-02-21 13:25 | 2025-02-21 13:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Minimum loan amount for 1st lien should be [Redacted] Exception form provided for please accept a loan amount under [Redacted] Exception for page# 345 of 389 Approved with conditions : 0.25 to price & DSCR > 1 required. - Due Diligence Vendor-02/21/2025 |
Waived-Minimum loan amount for 1st lien should be [Redacted] Exception form provided for please accept a loan amount under [Redacted] Exception for page# 345 of 389 Approved with conditions : 0.25 to price & DSCR > 1 required. - Due Diligence Vendor-02/21/2025 |
LTV 10% below maximum, Borrower contribution exceeds requirement >=5%, No credit events past 48 months, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3464740 | |||||
| 187 | D | B | D | B | A | A | B | B | Closed | FPRO1243 | 2025-02-21 13:19 | 2025-02-21 13:19 | Waived | 2 - Non-Material | B | B | Property | Missing Doc | Second Appraisal is Missing | Waived-Exception provided for please waive the need to order a second appraisal Exception page#344 of 389 Approved With Conditions: 0.25 to price & DSCR > 1 required. - Due Diligence Vendor-02/21/2025 |
Waived-Exception provided for please waive the need to order a second appraisal Exception page#344 of 389 Approved With Conditions: 0.25 to price & DSCR > 1 required. - Due Diligence Vendor-02/21/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3464711 | |||||
| 188 | C | B | C | A | A | A | B | B | Closed | FCRE1995 | 2025-02-24 01:39 | 2025-02-25 09:21 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-resolved with lender comment, they backed EMD out - Due Diligence Vendor-02/25/2025 Ready for Review-Please disregard, EMD was back out - Buyer-02/25/2025 Open-Earnest deposit of $[Redacted] is reflecting in final 1003(page # 63 of signed closing pkg) and final CD (page # 15 of signed closing pkg) supporting documents are missing in file, Amount of $[Redacted]is reflecting in page # 103 of Appraisal Management System under deposits which is from Title Company - Hence, not considered - Due Diligence Vendor-02/24/2025 |
Resolved-resolved with lender comment, they backed EMD out - Due Diligence Vendor-02/25/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3466895 | ||||||
| 188 | C | B | C | A | A | A | B | B | Closed | FVAL5474 | 2025-02-24 01:35 | 2025-02-24 03:41 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-One single entity owns 3 units per HOA Questionnaire in Page #266_Appraisal Management.pdf, however exception document in page # 262 of Transaction Report - Due Diligence Vendor-02/24/2025 | Waived-One single entity owns 3 units per HOA Questionnaire in Page #266_Appraisal Management.pdf, however exception document in page # 262 of Transaction Report - Due Diligence Vendor-02/24/2025 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history-Oldest tradeline date in CBR page # 224 of Appraisal Management System is 06/01/1992 2+ borrowers on the loan-File is joint credit with 2 borrowers |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3466884 | |||||
| 189 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2025-02-26 00:32 | 2025-04-08 05:05 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Waiver for no additional asset statement needed as minimum reserve requirement was waived. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Buyer-04/07/2025 Counter-please provide valid 3rd comp factor. cannot use reserves greater than 6 months for a waiver to use 3 months only. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. - Buyer-04/04/2025 Open-please provide additional asset documentation to met minimum requirement of Required Reserves 6 months reserves required as Borrower is First Time Home Buyer whereas calculated Reserves is 3.17 months - Due Diligence Vendor-02/26/2025 |
Waived-Waiver for no additional asset statement needed as minimum reserve requirement was waived. - Due Diligence Vendor-04/08/2025 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 3481881 | ||||
| 189 | C | B | C | B | A | A | A | A | Closed | FCRE1501 | 2025-02-26 00:09 | 2025-04-08 05:04 | Waived | 2 - Non-Material | C | B | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Waived-waiver provided as borrower does not meet minimum reserves required for FTHB - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Buyer-04/07/2025 Counter-please provide valid 3rd comp factor. cannot use reserves greater than 6 months for a waiver to use 3 months only. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. - Buyer-04/04/2025 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] please provide additional asset documentation to met minimum requirement of Liquid Funds Post-Close - Due Diligence Vendor-02/26/2025 |
Waived-waiver provided as borrower does not meet minimum reserves required for FTHB - Due Diligence Vendor-04/08/2025 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 3481837 | ||||
| 190 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-02-25 07:32 | 2025-02-26 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/26/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/25/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/26/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3475547 | ||||||
| 191 | D | A | D | A | A | A | A | A | Closed | FCOM1233 | 2025-02-27 11:33 | 2025-03-06 14:59 | Resolved | 1 - Information | D | A | Credit | Eligibility | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/06/2025 Resolved-missing data on final 1003 now present - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. Please find attached - Buyer-02/28/2025 Open- - please add the borrower's SS#, Citizenship, and complete Current Address section. - Due Diligence Vendor-02/27/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/06/2025 Resolved-missing data on final 1003 now present - Due Diligence Vendor-03/03/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3495045 | |||||
| 191 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-02-27 11:04 | 2025-02-28 06:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/28/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/27/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/28/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3494683 | ||||||
| 192 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-03-06 08:02 | 2025-03-28 05:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/28/2025 Resolved-insurance now reflects LLC as insured - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. updated policy which have insured name as a LLC. - Buyer-03/27/2025 Open-HOI: pg.# 561 Insured name reflects borrower's name but all final docs are in the name of the business. - Due Diligence Vendor-03/06/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/28/2025 Resolved-insurance now reflects LLC as insured - Due Diligence Vendor-03/28/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3543547 | |||||
| 192 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-05 15:18 | 2025-03-20 15:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2025 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/07/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/05/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2025 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/07/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3538207 | ||||||
| 193 | D | A | D | A | A | A | A | A | Closed | FCRE1995 | 2025-03-06 23:02 | 2025-03-11 05:55 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-copy of EMD wire now present - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. Please find the EMD wire transfer confirmation. - Buyer-03/10/2025 Open-Please Provide Supporting document of Earnest Money Deposit for $[Redacted]reflecting in Final CD page #15_Signed Closing Pkg - Due Diligence Vendor-03/07/2025 |
Resolved-copy of EMD wire now present - Due Diligence Vendor-03/11/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3551889 | |||||
| 193 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-06 20:54 | 2025-03-10 04:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/10/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording missing in File - Due Diligence Vendor-03/07/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/10/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3551544 | ||||||
| 194 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-10 10:43 | 2025-03-12 05:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/10/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/12/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3571135 | ||||||
| 195 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-18 02:05 | 2025-03-19 15:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording missing in File - Due Diligence Vendor-03/18/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3633075 | ||||||
| 196 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-03-18 07:54 | 2025-03-19 15:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/18/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3635073 | ||||||
| 196 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2025-03-18 10:15 | 2025-03-19 12:35 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived--As per guide All member on bank statement should be on Loan if Bank statement is used for Income qualifying Purpose -Exception from Provided to allow used of personal bank statement with Join account holder Approved condition :- 0.25 to price, [Redacted] max -Exception from on Pg. no 545. - Due Diligence Vendor-03/18/2025 |
Waived--As per guide All member on bank statement should be on Loan if Bank statement is used for Income qualifying Purpose -Exception from Provided to allow used of personal bank statement with Join account holder Approved condition :- 0.25 to price, [Redacted] max -Exception from on Pg. no 545. - Due Diligence Vendor-03/18/2025 |
DTI >=10% lower than loan program, No mortgage late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 3637492 | |||||
| 197 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-18 13:48 | 2025-03-19 15:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/18/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/19/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3640418 | ||||||
| 198 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-19 11:00 | 2025-03-20 15:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/19/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/20/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3648599 | ||||||
| 199 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-20 07:51 | 2025-03-21 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/21/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/20/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/21/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3656510 | ||||||
| 200 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-21 08:46 | 2025-03-24 14:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/24/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/21/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/24/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3667788 | ||||||
| 201 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-23 22:04 | 2025-03-25 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2025 Open-Missing evidence of Mortgage recording Recorded Mortgage missing in file - Due Diligence Vendor-03/24/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/25/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3676017 | ||||||
| 202 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-03-28 09:29 | 2025-03-31 14:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/28/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3719772 | ||||||
| 202 | D | B | D | B | A | A | A | A | Closed | FCRE8459 | 2025-03-28 10:47 | 2025-03-28 10:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Waived--As per guide LLC Layering is not allowed. -Exception form Provided to proceed with loan as LLC Layering is reflecting with current LLC company -Approved condition :- 0.25 to price -Exception form on Pg. no 61 of 182 - Due Diligence Vendor-03/28/2025 |
Waived--As per guide LLC Layering is not allowed. -Exception form Provided to proceed with loan as LLC Layering is reflecting with current LLC company -Approved condition :- 0.25 to price -Exception form on Pg. no 61 of 182 - Due Diligence Vendor-03/28/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3720792 | |||||
| 203 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-03-31 03:33 | 2025-04-01 06:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/01/2025 Open-Missing evidence of Mortgage recording Recorded Mortgage missing in file - Due Diligence Vendor-03/31/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/01/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3727689 | ||||||
| 204 | D | B | D | B | A | A | A | A | Closed | FCRE1995 | 2025-04-02 05:59 | 2025-04-04 12:14 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-lender backed out half the EMD and verified other half - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. [Redacted] additional deposit was backed out of [Redacted] #[Redacted]. - Buyer-04/04/2025 Open-Earnest deposit of $[Redacted] is reflecting in final 1003(page #69 of [Redacted]_Scan) and Final CD(Page # 17 of [Redacted]_Scan) but supporting document is there only for $[Redacted](page # 44 of Credit Package.pdf) please provide supporting document for additional deposit $[Redacted] - Due Diligence Vendor-04/02/2025 |
Resolved-lender backed out half the EMD and verified other half - Due Diligence Vendor-04/04/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3749620 | |||||
| 204 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-04-02 04:12 | 2025-04-03 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/03/2025 Open-Missing evidence of Mortgage recording Recorded Mortgage missing in file - Due Diligence Vendor-04/02/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/03/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3749046 | ||||||
| 204 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2025-04-02 06:11 | 2025-04-02 08:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Current loan amount $[Redacted] is less than Minimum loan amount [Redacted], however exception document is in page # 272 of Credit Package.pdf - Due Diligence Vendor-04/02/2025 | Waived-Current loan amount $[Redacted] is less than Minimum loan amount [Redacted], however exception document is in page # 272 of Credit Package.pdf - Due Diligence Vendor-04/02/2025 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history-Oldest tradeline date in CBR page # 410, 417 of Credit Package.pdf is 02/05/2018 2+ borrowers on the loan-File is joint credit with 2 borrowers |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 3749708 | |||||
| 205 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2025-04-08 13:45 | 2025-04-09 05:27 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated score on 1008- now matches - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Please review uploaded updated 1008 - Buyer-04/08/2025 Open-DSCR is off by 0.045 Lender score 1.011 Rent income considered by lender : $[Redacted]. Lender Consider Insurance Premium $[Redacted] as per Document page #512 Insurance Premium $[Redacted] Calculation : Rent [Redacted] /PITIA [Redacted] = 1.056 should be the actual score - Due Diligence Vendor-04/08/2025 |
Resolved-lender updated score on 1008- now matches - Due Diligence Vendor-04/09/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3810989 | |||||
| 205 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-04-04 12:38 | 2025-04-09 05:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2025 Ready for Review-N/A. File was recently closed,recorded mortgage is not available yet. - Buyer-04/08/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/04/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3787542 | ||||||
| 206 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-04-07 22:30 | 2025-04-08 15:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2025 Open-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2025 Open-Missing evidence of Mortgage recording Recorded Mortgage missing in file - Due Diligence Vendor-04/08/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/08/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3802270 | ||||||
| 207 | D | A | D | A | A | A | A | A | Closed | FCRE8728 | 2025-04-16 14:10 | 2025-04-21 05:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Payment History | Resolved-resolved with lender comments, loan has not closed yet - Due Diligence Vendor-04/21/2025 Ready for Review-This is a current and active file and has not closed yet. The information was drawn from integra’s loan information screen for the PITIA we have never been requested to pull information over from other current loans based on processes. - Buyer-04/18/2025 Open- - please provide payment info for simultaneous close on other investment property. - Due Diligence Vendor-04/16/2025 |
Resolved-resolved with lender comments, loan has not closed yet - Due Diligence Vendor-04/21/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3883263 | ||||||
| 207 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-04-15 08:22 | 2025-04-16 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/15/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3866370 | ||||||
| 208 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-04-16 23:05 | 2025-04-18 08:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/18/2025 Open-Missing evidence of Mortgage recording Recorded Mortgage missing in file - Due Diligence Vendor-04/17/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/18/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3886404 | ||||||
| 209 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-04-16 21:23 | 2025-04-17 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/17/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording missing in File - Due Diligence Vendor-04/17/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/17/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3886106 | ||||||
| 209 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2025-04-17 00:11 | 2025-04-17 04:44 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Flood insurance premium amount used for DSCR calculation whereas subject property is Condo. No Flood details in Master Policy in Page #419. However, exception is in Page #431 - Due Diligence Vendor-04/17/2025 | Waived-Flood insurance premium amount used for DSCR calculation whereas subject property is Condo. No Flood details in Master Policy in Page #419. However, exception is in Page #431 - Due Diligence Vendor-04/17/2025 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #570, 3. No Consumer late payments in the last 24 months- No Consumer late payments in past 24 months, per CBR Page #570, 4. 5+ years credit history- Oldest tradeline date in CBR page #570 is 06/01/2006. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3886584 | |||||
| 210 | D | B | D | A | D | A | B | B | Closed | FCOM1477 | 2025-04-17 15:27 | 2025-04-22 09:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock provided. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Buyer-04/22/2025 Open-Lock Confirmation Document is missing - Due Diligence Vendor-04/17/2025 |
Resolved-rate lock provided. - Due Diligence Vendor-04/22/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3895564 | |||||
| 210 | D | B | D | A | D | A | B | B | Closed | FCRE6019 | 2025-04-17 13:22 | 2025-04-22 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-corrected 1003 now present. Citizenship corrected. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Buyer-04/22/2025 Ready for Review-Document Uploaded. - Buyer-04/22/2025 Open-Borrower 1 Citizenship Documentation Is Missing As per 1003 Borrower is Permanent Resident Alien, However received EAD card provided on page#275 of 298 Permanent Resident Alien doc is missing - Due Diligence Vendor-04/17/2025 |
Resolved-corrected 1003 now present. Citizenship corrected. - Due Diligence Vendor-04/22/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3894092 | |||||
| 210 | D | B | D | A | D | A | B | B | Closed | FCOM4028 | 2025-04-17 13:12 | 2025-04-21 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 3893954 | ||||||
| 210 | D | B | D | A | D | A | B | B | Closed | FVAL5385 | 2025-04-17 15:00 | 2025-04-18 08:20 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Per guide for a cash-out refinance, the subject property must not be listed for sale in the past 6-months. Exception form provided kindly allow us to proceed Property listed for sale within the last 6 months Exception form page#80 of 298 Approved With Conditions: +0.25 to price, [Redacted] max - Due Diligence Vendor-04/17/2025 |
Waived-Per guide for a cash-out refinance, the subject property must not be listed for sale in the past 6-months. Exception form provided kindly allow us to proceed Property listed for sale within the last 6 months Exception form page#80 of 298 Approved With Conditions: +0.25 to price, [Redacted] max - Due Diligence Vendor-04/17/2025 |
No credit events past 40 months, LTV 10% below maximum, Reserves >6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3895264 | |||||
| 211 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-04-25 12:54 | 2025-04-29 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/25/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/29/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 3967020 | ||||||
| 212 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-04-30 07:51 | 2025-05-01 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/01/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/30/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/01/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4002825 | ||||||
| 213 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-05-06 14:50 | 2025-05-07 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4062656 | ||||||
| 214 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-05-08 07:31 | 2025-05-09 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/09/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/09/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4080270 | ||||||
| 214 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2025-05-08 09:39 | 2025-05-08 16:02 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Exception form provided To allow individual flood insurance Exception form page#54 of 107 Approved With Conditions: max LA $[Redacted]. 0.25 to price - Due Diligence Vendor-05/08/2025 |
Waived-Exception form provided To allow individual flood insurance Exception form page#54 of 107 Approved With Conditions: max LA $[Redacted]. 0.25 to price - Due Diligence Vendor-05/08/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4082503 | |||||
| 215 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-05-08 11:15 | 2025-05-09 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/09/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/09/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4083764 | ||||||
| 216 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2025-05-09 09:51 | 2025-05-12 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/12/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/09/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/12/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4095880 | ||||||
| 216 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2025-05-09 10:33 | 2025-05-09 10:33 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Page 19 - Exception to permit cash out refi of recently listed property - 02/2025. Bwr wanted to test market but instead decided to keep property. - Due Diligence Vendor-05/09/2025 | Waived-Page 19 - Exception to permit cash out refi of recently listed property - 02/2025. Bwr wanted to test market but instead decided to keep property. - Due Diligence Vendor-05/09/2025 |
Revolving debt under 30%, No credit events past 40 months, No mortgage late slast 24 months, 5+ yrs credit history, Credit Score > 40 points above program minimum, | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4096522 | |||||
| 217 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-05-12 05:34 | 2025-05-12 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/12/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/12/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4110425 | ||||||
| 218 | D | B | D | B | A | A | A | A | Closed | FCRE9488 | 2025-05-12 14:44 | 2025-05-15 14:23 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-resolved with lender comments. - Due Diligence Vendor-05/15/2025 Ready for Review-As per final 1003 borrower's current address is [Redacted] - Buyer-05/15/2025 Open-This is an Investment loan and the address on the Borrower Drivers license is reflecting subject property -refer Pg. no 85 Need LOX for the same. - Due Diligence Vendor-05/12/2025 |
Resolved-resolved with lender comments. - Due Diligence Vendor-05/15/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4120028 | ||||||
| 218 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-05-12 13:06 | 2025-05-14 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/14/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/14/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4118449 | ||||||
| 218 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2025-05-12 14:38 | 2025-05-12 14:38 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Exception form provided Flood insurance (standalone), is not included in MP Exception form page#513 Approved With Conditions: 0.25 to price, individual policy must be provided - Due Diligence Vendor-05/12/2025 |
Waived-Exception form provided Flood insurance (standalone), is not included in MP Exception form page#513 Approved With Conditions: 0.25 to price, individual policy must be provided - Due Diligence Vendor-05/12/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement>=5% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4119973 | |||||
| 219 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-05-13 10:16 | 2025-05-15 12:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4128444 | ||||||
| 219 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2025-05-13 11:19 | 2025-05-13 11:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide, Minimum Loan Amount is [Redacted] *Exception form is provided to allow $[Redacted] loan amount *Approved Conditions: 0.5 to price *Exception form is on page #355 of 449 - Due Diligence Vendor-05/13/2025 |
Waived-As per guide, Minimum Loan Amount is [Redacted] *Exception form is provided to allow $[Redacted] loan amount *Approved Conditions: 0.5 to price *Exception form is on page #355 of 449 - Due Diligence Vendor-05/13/2025 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Experienced investor. | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4129287 | |||||
| 220 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-05-14 11:07 | 2025-05-15 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/15/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4140456 | ||||||
| 221 | D | A | D | A | A | A | A | A | Closed | FCRE1995 | 2025-05-16 08:53 | 2025-05-20 05:15 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-resolved with lender comments. EMD backed out. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. [Redacted] EMD was backed out of [Redacted]. - Buyer-05/20/2025 Open- - missing - Due Diligence Vendor-05/16/2025 |
Resolved-resolved with lender comments. EMD backed out. - Due Diligence Vendor-05/20/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4163442 | |||||
| 221 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-05-16 07:54 | 2025-05-19 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/16/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4162634 | ||||||
| 222 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2025-05-20 08:15 | 2025-05-23 11:47 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-post close review product supporting value is now present - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Please see attached CDA - Buyer-05/23/2025 Open- - CU scores of 0 and 3.2. No AVM provided. - Due Diligence Vendor-05/20/2025 |
Resolved-post close review product supporting value is now present - Due Diligence Vendor-05/23/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4190688 | |||||
| 222 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2025-05-20 07:31 | 2025-05-21 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4189992 | ||||||
| 223 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-05-27 07:32 | 2025-05-27 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4242434 | ||||||
| 223 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2025-05-27 09:24 | 2025-05-27 09:24 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow [Redacted] loan amount *Approved Conditions: 0.25 to price *Exception form is on page #297 of 397 - Due Diligence Vendor-05/27/2025 |
Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow [Redacted] loan amount *Approved Conditions: 0.25 to price *Exception form is on page #297 of 397 - Due Diligence Vendor-05/27/2025 |
5 years on current job, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, 820 FICO |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 4244383 | |||||
| 224 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2025-06-03 11:40 | 2025-06-04 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4316531 | ||||||
| 224 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2025-06-03 13:38 | 2025-06-03 13:38 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Waiver for Condo project structural issues and membership fees. Repairs/reinforcement to the existing carports that collapsed during hurricane. The work is planned for July & Project has mandatory membership fees to country club and golf course. Approved with conditons of [Redacted] Max & 0.25 to price Exception waiver on page 117/362 - Due Diligence Vendor-06/03/2025 |
Waived-Waiver for Condo project structural issues and membership fees. Repairs/reinforcement to the existing carports that collapsed during hurricane. The work is planned for July & Project has mandatory membership fees to country club and golf course. Approved with conditons of [Redacted] Max & 0.25 to price Exception waiver on page 117/362 - Due Diligence Vendor-06/03/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 4319117 | |||||
| 225 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-04 08:33 | 2025-06-05 08:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4330580 | ||||||
| 226 | D | B | D | A | A | A | B | B | Closed | FCRE1995 | 2025-06-05 14:37 | 2025-06-06 13:54 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-resolved with lender comments - Due Diligence Vendor-06/06/2025 Ready for Review-Please disregard, EMD was back out - Buyer-06/06/2025 Open- - missing - Due Diligence Vendor-06/05/2025 |
Resolved-resolved with lender comments - Due Diligence Vendor-06/06/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4352123 | ||||||
| 226 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2025-06-05 14:11 | 2025-06-06 05:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/06/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/06/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4351700 | ||||||
| 226 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2025-06-05 14:53 | 2025-06-05 15:01 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Waived-As per guide, 1) Projects in which a single entity (the same individual, investor group, partnership, or corporation) owns more than the following total number of units in the project are considered on a case-by- case basis: projects with 5 to 20 units – 2 units, projects with 21 or more units – 25%. 2) The project has deficiencies, defects, substantial damage, or deferred maintenance are ineligible. 3) For Investment property transaction at least 25% of the total units in the project or subject legal phase must have been conveyed or be under contract for sale to principal residence or second home purchasers. *Exception form is provided to allow property to be financed *Approved Conditions: 1.0 to price, [Redacted] max, DSCR>1 required *Exception form is on page # 161 of 302, Condo Questionnaire page 662 of 786, Inspection page 131 of 786 - Due Diligence Vendor-05/03/2025 - Due Diligence Vendor-06/05/2025 |
Waived-Waived-As per guide, 1) Projects in which a single entity (the same individual, investor group, partnership, or corporation) owns more than the following total number of units in the project are considered on a case-by- case basis: projects with 5 to 20 units – 2 units, projects with 21 or more units – 25%. 2) The project has deficiencies, defects, substantial damage, or deferred maintenance are ineligible. 3) For Investment property transaction at least 25% of the total units in the project or subject legal phase must have been conveyed or be under contract for sale to principal residence or second home purchasers. *Exception form is provided to allow property to be financed *Approved Conditions: 1.0 to price, [Redacted] max, DSCR>1 required *Exception form is on page # 161 of 302, Condo Questionnaire page 662 of 786, Inspection page 131 of 786 - Due Diligence Vendor-05/03/2025 - Due Diligence Vendor-06/05/2025 |
5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months, Borrower line of work is commercial property management and renovation | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 4352413 | |||||
| 227 | D | A | D | A | A | A | A | A | Closed | FCRE1995 | 2025-06-13 04:15 | 2025-06-17 08:43 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-resolved with lender comments. EMD backed out - Due Diligence Vendor-06/17/2025 Ready for Review-Please disregard, EMD was back out - Buyer-06/16/2025 Open-Please Provide Evidence of Earnest Money Deposit of $[Redacted] reflecting in Final CD Page #141 as it is missing in the File. - Due Diligence Vendor-06/13/2025 |
Resolved-resolved with lender comments. EMD backed out - Due Diligence Vendor-06/17/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4436886 | ||||||
| 227 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-13 02:42 | 2025-06-16 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording missing in File - Due Diligence Vendor-06/13/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4436509 | ||||||
| 228 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-13 08:16 | 2025-06-16 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/13/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4439227 | ||||||
| 229 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2025-06-18 12:39 | 2025-06-20 09:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/20/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/20/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4490676 | ||||||
| 229 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2025-06-18 15:02 | 2025-06-18 15:02 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived--As per guide the single entity should not owned more than 25% of project total unit is above 25. -Exception form provided to provided with loans as one single unit owned more than 25% of total units -Approved Condition :- Current [Redacted] and 0.25 to price -Exception form on Pg. no 53 of 254. - Due Diligence Vendor-06/18/2025 |
Waived--As per guide the single entity should not owned more than 25% of project total unit is above 25. -Exception form provided to provided with loans as one single unit owned more than 25% of total units -Approved Condition :- Current [Redacted] and 0.25 to price -Exception form on Pg. no 53 of 254. - Due Diligence Vendor-06/18/2025 |
No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required. | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 4493400 | |||||
| 230 | D | A | D | A | A | A | A | A | Closed | FCRE1995 | 2025-06-24 08:55 | 2025-06-26 11:21 | Resolved | 1 - Information | C | A | Credit | Assets | Evidence of Earnest Money Deposit is Partial or Missing | Resolved-EMD backed out per lender comments - Due Diligence Vendor-06/26/2025 Ready for Review-Document Uploaded. EMD $[Redacted] was backed out - Buyer-06/26/2025 Open-Please provide supporting document to verify EMD amount of $[Redacted] which is reflecting in final CD#13. - Due Diligence Vendor-06/24/2025 |
Resolved-EMD backed out per lender comments - Due Diligence Vendor-06/26/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4541592 | |||||
| 230 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-24 07:03 | 2025-06-25 15:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording is missing - Due Diligence Vendor-06/24/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4539488 | ||||||
| 231 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-23 13:37 | 2025-06-24 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4532887 | ||||||
| 232 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2025-06-26 01:08 | 2025-06-30 08:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2025 Ready for Review-File was recently closed, recorded mortgage not available, it will be provided upon the receipt. - Buyer-06/27/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording is missing - Due Diligence Vendor-06/26/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4566643 | ||||||
| 232 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2025-06-26 03:19 | 2025-06-26 05:50 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Subject Property was listed for sale on [Redacted] and withdrawn on [Redacted] which is within last 6 months from closing date [Redacted]. It does not meet refinance Seasoning Requirements per Guidelines. however, we have exception in page#244_Credit Package.pdf - Due Diligence Vendor-06/26/2025 | Waived-Subject Property was listed for sale on [Redacted] and withdrawn on [Redacted] which is within last 6 months from closing date [Redacted]. It does not meet refinance Seasoning Requirements per Guidelines. however, we have exception in page#244_Credit Package.pdf - Due Diligence Vendor-06/26/2025 |
No credit events past 40 months -No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history - Oldest tradeline date in CBR page # 295_Credit Package.pdf is 08/01/2015 No mortgage late payments in the last 24 months - No mortgage late payments per CBR page # 295_Credit Package.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4566981 | |||||
| 233 | B | B | A | A | A | A | B | B | Closed | FVAL5385 | 2025-06-25 07:49 | 2025-06-25 07:49 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Exception for property being listed within the last 6 months, not eligible for cash out refi Approved with conditions of [Redacted] Max & 0.25 to the price Exception waiver on page 270 of 351 - Due Diligence Vendor-06/25/2025 |
Waived-Exception for property being listed within the last 6 months, not eligible for cash out refi Approved with conditions of [Redacted] Max & 0.25 to the price Exception waiver on page 270 of 351 - Due Diligence Vendor-06/25/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4554516 | |||||
| 234 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-06-27 04:45 | 2025-07-03 15:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/03/2025 Resolved-Received full insurance policy - Due Diligence Vendor-07/03/2025 Ready for Review-Document Uploaded. - Buyer-07/02/2025 Open-Hazard Insurance Policy Partially Provided Please provide fully executed and complete Hazard insurance document as it is missing in the file, only premium advisory notice is provided in page#530 - Due Diligence Vendor-06/27/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/03/2025 Resolved-Received full insurance policy - Due Diligence Vendor-07/03/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4582482 | |||||
| 234 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-06-27 02:12 | 2025-07-03 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/03/2025 Open-Missing evidence of Mortgage recording Evidence of Mortgage recording is missing - Due Diligence Vendor-06/27/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/03/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4581845 | ||||||
| 235 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-07-06 20:38 | 2025-07-07 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4672129 | ||||||
| 236 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2025-07-14 06:31 | 2025-07-15 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/15/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/14/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/15/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4801735 | ||||||
| 236 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2025-07-14 07:28 | 2025-07-14 07:28 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Waived-As per guide, Guideline requires the minimum occupancy rate in a project to be 25%. *Exception form is provided to allow project with less than a 25% occupancy rate on an investment deal. *Approved Conditions:0.25 to price *Exception form is on page # 99 of 254 - Due Diligence Vendor-07/14/2025 - Due Diligence Vendor-07/14/2025 |
Waived-Waived-As per guide, Guideline requires the minimum occupancy rate in a project to be 25%. *Exception form is provided to allow project with less than a 25% occupancy rate on an investment deal. *Approved Conditions:0.25 to price *Exception form is on page # 99 of 254 - Due Diligence Vendor-07/14/2025 - Due Diligence Vendor-07/14/2025 |
No credit events past 40 months,No mortgage lates last 24 months, 5+ yrs credit history, No consumer latees last 24 months, Credit Score > 40 points above program minimum. | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 4802402 | |||||
| 237 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2025-07-15 00:34 | 2025-07-16 16:01 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-review product provided and supports value - Due Diligence Vendor-07/16/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-07/16/2025 Open-Subject Property is 2-4 family unit and related secondary valuation document is missing in file. SSR reports in Page #121 & 123 does not reflect valid Scores. - Due Diligence Vendor-07/15/2025 |
Resolved-review product provided and supports value - Due Diligence Vendor-07/16/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4815403 | |||||
| 237 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2025-07-14 22:41 | 2025-07-15 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/15/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/15/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/15/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4814972 | ||||||
| 238 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-07-18 00:28 | 2025-07-18 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/18/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/18/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/18/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 4863210 | ||||||
| 239 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-07-23 06:01 | 2025-07-23 20:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/24/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/23/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/24/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4915299 | ||||||
| 240 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-07-24 16:31 | 2025-07-28 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/28/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/24/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/28/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 4942012 | ||||||
| 241 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-07-30 14:26 | 2025-08-01 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-08/01/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/30/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-08/01/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5000258 | ||||||
| 241 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2025-07-30 15:47 | 2025-07-31 14:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-As per guide, Liens not reporting to the credit bureaus (a credit supplement is not acceptable in lieu of the credit report) *Exception is provided to allow 1st lien credit supplement as 1st lien not reporting to the credit bureaus. *Approved Conditions: 0.25 to price *Exception form is on page #416 - Due Diligence Vendor-07/30/2025 |
Waived-As per guide, Liens not reporting to the credit bureaus (a credit supplement is not acceptable in lieu of the credit report) *Exception is provided to allow 1st lien credit supplement as 1st lien not reporting to the credit bureaus. *Approved Conditions: 0.25 to price *Exception form is on page #416 - Due Diligence Vendor-07/30/2025 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Reserves >6 months, 4 mtg, 6 auto loans. No history of any delinquency | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5001383 | |||||
| 242 | D | B | D | B | A | A | A | A | Closed | FCRE1247 | 2025-08-04 12:42 | 2025-08-13 10:16 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-IPC exceeds max allowed for program Lender submitted a PC exception - Due Diligence Vendor-08/13/2025 Ready for Review-Document Uploaded. - Buyer-08/12/2025 Open-exceeds 6% - Due Diligence Vendor-08/04/2025 |
Waived-IPC exceeds max allowed for program Lender submitted a PC exception - Due Diligence Vendor-08/13/2025 |
No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 5046337 | ||||
| 242 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-08-01 07:25 | 2025-08-04 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-08/04/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-08/01/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-08/04/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 5020610 | ||||||
| 243 | D | A | D | A | A | A | D | A | Closed | FCRE0409 | 2025-08-29 15:47 | 2025-09-03 14:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Subject loan Junior Lien program not qualified under guidelines - Ineligible First Lien program | Resolved-resolved with lender comments. Mtg sold but prior was on credit and is recorded - Due Diligence Vendor-09/03/2025 Ready for Review-Initially first lien was opened at 03/2019, and this loan was transferred to another lander. There is commercial Mortgage opened at 03/2019 and transferred to another lander on credit report. Please find information on page 10/14 of credit report. - Buyer-09/03/2025 Open-As per guide page #55 Liens not reporting to the credit bureaus is ineligible first lien. Subject loan first lien not reported on credit report not meeting guide - Due Diligence Vendor-08/29/2025 |
Resolved-resolved with lender comments. Mtg sold but prior was on credit and is recorded - Due Diligence Vendor-09/03/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5368369 | ||||||
| 243 | D | A | D | A | A | A | D | A | Closed | FVAL2301 | 2025-08-29 09:20 | 2025-09-03 14:30 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Updated Completion Report (442/10040) | Resolved-date on form has been corrected - Due Diligence Vendor-09/03/2025 Ready for Review-Document Uploaded. Please see attached revised 1004D - Buyer-09/03/2025 Open-1004D date of inspection reading as 10/19/2017 refer page#1 of 305 Need updated correct inspection date. - Due Diligence Vendor-08/29/2025 |
Resolved-date on form has been corrected - Due Diligence Vendor-09/03/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5361879 | |||||
| 243 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2025-08-29 07:26 | 2025-09-02 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/02/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-08/29/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/02/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5359485 | ||||||
| 244 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-09-22 13:54 | 2025-09-23 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/23/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/22/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/23/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5624805 | ||||||
| 244 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2025-09-22 15:59 | 2025-09-23 14:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements *As per guide Borrowers who accepted a payment deferral plan and demonstrate a payment history reflecting three timely payments on their mortgage are eligible *Exception is provided to proceed the loan with out Mtg History - Deferral Agreement *Approved With Conditions must be paid off through transaction, 0.5 to price, [Redacted] max *Exception is on pg 469 of 561 - Due Diligence Vendor-09/22/2025 |
Waived-Housing History Does Not Meet Guideline Requirements *As per guide Borrowers who accepted a payment deferral plan and demonstrate a payment history reflecting three timely payments on their mortgage are eligible *Exception is provided to proceed the loan with out Mtg History - Deferral Agreement *Approved With Conditions must be paid off through transaction, 0.5 to price, [Redacted] max *Exception is on pg 469 of 561 - Due Diligence Vendor-09/22/2025 |
5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5627349 | |||||
| 245 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2025-09-29 09:01 | 2025-10-10 17:21 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-with in DTI tolerance Lender corrected their internal system - Due Diligence Vendor-10/10/2025 Ready for Review-Document Uploaded. The first MTG payment was incorrectly in the system. I have updated it to $[Redacted] (P&I only); however, this only makes the DTI go to 11.497%. We cannot make our figures match yours. Need more elaboration. - Buyer-10/10/2025 Open-DTI should be 11.66%. Approval is 11.24%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + primary residence of $[Redacted] / Income of $[Redacted] + rental income $[Redacted] (Short term monthly rental of $[Redacted] less PITI payment $[Redacted]) = 11.66% - Due Diligence Vendor-09/29/2025 |
Resolved-with in DTI tolerance Lender corrected their internal system - Due Diligence Vendor-10/10/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5702233 | |||||
| 245 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-09-29 08:07 | 2025-09-30 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/30/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/29/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-09/30/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 5700982 | ||||||
| 245 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2025-09-29 09:04 | 2025-09-29 09:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Waived-As per guide, Guideline Maximum Loan Amount is [Redacted] *Exception form is provided to allow with LA of [Redacted] *Approved Conditions: 0.5 to price, [Redacted] max *Exception form is on page # 324 of 341 - Due Diligence Vendor-05/03/2025 - Due Diligence Vendor-09/29/2025 |
Waived-Waived-As per guide, Guideline Maximum Loan Amount is [Redacted] *Exception form is provided to allow with LA of [Redacted] *Approved Conditions: 0.5 to price, [Redacted] max *Exception form is on page # 324 of 341 - Due Diligence Vendor-05/03/2025 - Due Diligence Vendor-09/29/2025 |
Residential income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5702354 | |||||
| 246 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-10-24 18:27 | 2025-10-27 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/27/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-10/25/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/27/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 6014898 | ||||||
| 247 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-11-03 13:12 | 2025-11-04 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-11/04/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/03/2025 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-11/04/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6104957 | ||||||
| 248 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2025-11-05 11:26 | 2025-11-10 12:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-loan amount less than [Redacted] - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. The loan amount less than [Redacted] covered by Exception - Buyer-11/06/2025 Open-Audited loan amount $[Redacted] is less than Guideline minimum loan amount [Redacted]. - Due Diligence Vendor-11/05/2025 |
Waived-loan amount less than [Redacted] - Due Diligence Vendor-11/10/2025 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6140811 | ||||
| 248 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-11-05 08:06 | 2025-11-05 19:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/06/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/05/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/06/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6131951 | ||||||
| 248 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2025-11-05 09:15 | 2025-11-05 11:25 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Master Condo Insurance Policy Partially Provided Ordinance or Law Endorsement not included on Master. Mandatory 3rd party fees. Master policy in Page #1_Credit_pkg_2.pdf. However, we have exception in page#10_Credit_pkg_2.pdf - Due Diligence Vendor-11/05/2025 | Waived-Master Condo Insurance Policy Partially Provided Ordinance or Law Endorsement not included on Master. Mandatory 3rd party fees. Master policy in Page #1_Credit_pkg_2.pdf. However, we have exception in page#10_Credit_pkg_2.pdf - Due Diligence Vendor-11/05/2025 |
Revolving debt is under 30% - Revolving Payments $4,546 is within 30% of all other total payments $8,104 No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months - No Consumer late payments in past 24 months per CBR Page #64_Credit_pkg_2.pdf. Existing late payments till 04/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6133328 | |||||
| 249 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2025-11-12 09:47 | 2025-11-20 07:14 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-renewal policy for master ins now present - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. Master Policy uploaded. - Buyer-11/19/2025 Counter-finding was for master policy for project renewal not HO6. Need master condo ins that is not expired - Due Diligence Vendor-11/14/2025 Ready for Review- - Due Diligence Vendor-11/14/2025 Ready for Review-Document Uploaded. - Buyer-11/13/2025 Ready for Review-There is an additional policy in file. I've uploaded it as well. - Buyer-11/13/2025 Open-Closing date is 11/04/2025 and Master policy available on page #10 of 121 is expired on 10/15/2025 - Due Diligence Vendor-11/12/2025 |
Resolved-renewal policy for master ins now present - Due Diligence Vendor-11/20/2025 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6225069 | |||||
| 249 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-11-11 11:47 | 2025-11-12 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/12/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/11/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/12/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6211773 | ||||||
| 250 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-11-20 06:46 | 2025-11-21 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/20/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/21/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6318742 | ||||||
| 251 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-11-26 13:32 | 2025-12-01 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/01/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/26/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/01/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6408051 | ||||||
| 252 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-19 04:04 | 2025-12-22 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/19/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/22/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6700869 | ||||||
| 253 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-22 09:33 | 2025-12-26 10:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/26/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/22/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/26/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6736806 | ||||||
| 254 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-26 10:12 | 2025-12-29 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/29/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/26/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/29/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6815214 | ||||||
| 255 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2025-12-30 05:36 | 2025-12-31 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/31/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/30/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/31/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6848964 | ||||||
| 256 | D | B | D | B | A | A | A | A | Closed | FCRE1159 | 2025-12-30 14:36 | 2026-01-05 10:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of [Redacted] is prior to or equal to the Note Date of [Redacted] Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/05/2026 Resolved-corrected dates are now present - Due Diligence Vendor-01/05/2026 Ready for Review-Document Uploaded. Please see attached policy with effective date of [Redacted] prior to the note date. - Buyer-01/02/2026 Open-Hazard Insurance Effective Date of [Redacted] is after the Note Date of [Redacted] Current policy with effective date of [Redacted] is missing - Due Diligence Vendor-12/30/2025 |
Resolved-Hazard Insurance Effective Date of [Redacted] is prior to or equal to the Note Date of [Redacted] Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/05/2026 Resolved-corrected dates are now present - Due Diligence Vendor-01/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6861200 | |||||
| 256 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2025-12-30 12:51 | 2025-12-31 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/31/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/30/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/31/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6859311 | ||||||
| 256 | D | B | D | B | A | A | A | A | Closed | FCRE6696 | 2025-12-30 15:21 | 2025-12-31 10:02 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-As per guide The borrower’s business used for qualifying purposes must have been in existence for at least two years. Exception is provided for second self employment only 1 year 11 months Approved Conditions : 0.25 to price, [Redacted] max Exception Form page no 93 of 120 - Due Diligence Vendor-12/30/2025 |
Waived-As per guide The borrower’s business used for qualifying purposes must have been in existence for at least two years. Exception is provided for second self employment only 1 year 11 months Approved Conditions : 0.25 to price, [Redacted] max Exception Form page no 93 of 120 - Due Diligence Vendor-12/30/2025 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, less than 1 month away for the 2 year seasoning |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 6861937 | |||||
| 257 | D | B | D | B | D | A | A | A | Closed | FCOM0362 | 2025-12-31 08:03 | 2026-01-06 11:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-now present - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. Please review uploaded final HUD - Buyer-01/05/2026 Counter-this is the sellers CD buyer fees are not present - Due Diligence Vendor-01/05/2026 Ready for Review-Final HUD was on page 13 package"[Redacted] part part 1.pdf" - Buyer-01/02/2026 Open- - Due Diligence Vendor-12/31/2025 |
Resolved-now present - Due Diligence Vendor-01/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6871511 | |||||
| 257 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2025-12-31 07:10 | 2025-12-31 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/31/2025 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/31/2025 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/31/2025 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6870402 | ||||||
| 257 | D | B | D | B | D | A | A | A | Closed | FCRE4595 | 2025-12-31 08:00 | 2025-12-31 08:00 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount is less than minimum allowed per program guidelines | Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow with LA<[Redacted] *Approved Conditions: [Redacted], 0.25 to price *Exception form is on page # 122 of 123 - Due Diligence Vendor-12/31/2025 - Due Diligence Vendor-12/31/2025 |
Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow with LA<[Redacted] *Approved Conditions: [Redacted], 0.25 to price *Exception form is on page # 122 of 123 - Due Diligence Vendor-12/31/2025 - Due Diligence Vendor-12/31/2025 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 6871433 | |||||
| 258 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-01-01 23:31 | 2026-01-14 08:46 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-1008 updated with correct DSCR - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see the attached 1008, updated lock, and updated tape showing DSCR ratio 1.267. - Buyer-01/13/2026 Counter-pls see the math calculation in original finding. DSCR is 1.268. Need updated tape - Due Diligence Vendor-01/07/2026 Ready for Review-Property is "tenant" occupied per the appraisal. The Gross monthly rental income in the system shows $[Redacted] which matches 1007 and is marked as long term lease. The system automatically calculates the DSCR ratio which is 1.615. - Buyer-01/07/2026 Open-Originator DSCR Is 1.615 and the Calculated DSCR is 1.268, the Variance is 0.347. Calculated Rent amount from 1007 in page #20 : Rent amount $[Redacted]/ PITIA $[Redacted]= 1.268. Please provide lender DSCR calculations. - Due Diligence Vendor-01/02/2026 |
Resolved-1008 updated with correct DSCR - Due Diligence Vendor-01/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6888495 | |||||
| 258 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-01 21:00 | 2026-01-06 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6888043 | ||||||
| 259 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-02 09:52 | 2026-01-02 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6896495 | ||||||
| 260 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-05 08:44 | 2026-01-07 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 6914410 | ||||||
| 261 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-06 11:10 | 2026-01-08 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6939747 | ||||||
| 262 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-06 14:56 | 2026-01-09 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 6945356 | ||||||
| 263 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-01-13 13:12 | 2026-01-21 13:17 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-CDA now present - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. Please review uploaded CDA - Buyer-01/21/2026 Open- - appraisal review missing - CU scores 0 - Due Diligence Vendor-01/13/2026 |
Resolved-CDA now present - Due Diligence Vendor-01/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7073014 | |||||
| 263 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-01-13 11:45 | 2026-01-14 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7070756 | ||||||
| 264 | D | A | D | A | A | A | A | A | Closed | FCRE5809 | 2026-01-13 11:14 | 2026-02-04 06:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence of self employment | Resolved-missing proof of self employment now present - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. B1 is Self Employed with 1099, supported on SCH C of tax returns. - Buyer-02/03/2026 Open-B1 is self employed. Missing proof business has been open 2 years - Due Diligence Vendor-01/13/2026 |
Resolved-missing proof of self employment now present - Due Diligence Vendor-02/04/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7069734 | |||||
| 264 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-13 10:34 | 2026-01-14 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7068375 | ||||||
| 265 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-12 14:10 | 2026-01-14 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7049941 | ||||||
| 266 | D | B | D | A | D | A | B | B | Closed | FCOM4028 | 2026-01-14 01:15 | 2026-06-29 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7080740 | ||||||
| 266 | D | B | D | A | D | A | B | B | Closed | FCOM1477 | 2026-01-15 01:05 | 2026-02-13 12:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Not required - Due Diligence Vendor-02/13/2026 Open-Please provide Rate lock agreement as it is missing in file - Due Diligence Vendor-01/15/2026 |
Resolved-Not required - Due Diligence Vendor-02/13/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7104310 | ||||||
| 266 | D | B | D | A | D | A | B | B | Closed | FVAL5524 | 2026-01-14 03:50 | 2026-01-15 11:28 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Subject property is New construction built on 2025 and is in Rural area which is not allowed per Guidelines. however exception in page # 233 of Credit Package.pdf - Due Diligence Vendor-01/14/2026 | Waived-Subject property is New construction built on 2025 and is in Rural area which is not allowed per Guidelines. however exception in page # 233 of Credit Package.pdf - Due Diligence Vendor-01/14/2026 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File Credit score >40 points than minimum required-Audited FICO 750 and Guideline maximum FICO 680 with difference 70 which is greater than 40 Borrower contribution exceeds requirement >=5%-Borrower contribution is nearly 23.84% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 7081593 | |||||
| 267 | D | B | D | A | A | A | B | B | Closed | FCRE7009 | 2026-01-12 18:17 | 2026-01-21 14:10 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-cost estimator now present - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. Please review uploaded RCE - Buyer-01/21/2026 Open-Hazard insurance dwelling coverage is $[Redacted] is less than loan amount [Redacted]. No Replacement cost indications in file. - Due Diligence Vendor-01/13/2026 |
Resolved-cost estimator now present - Due Diligence Vendor-01/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7052396 | |||||
| 267 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-01-12 17:02 | 2026-01-14 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/13/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7051767 | ||||||
| 267 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-01-12 18:33 | 2026-01-13 08:42 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Minimum [Redacted] Sq Ft allowed per Guidelines whereas Subject property Gross Living area for one of the units is [Redacted] Sq Ft. However Exception Form is in file page no #394- Credit pkg.pdf - Due Diligence Vendor-01/13/2026 | Waived-Minimum [Redacted] Sq Ft allowed per Guidelines whereas Subject property Gross Living area for one of the units is [Redacted] Sq Ft. However Exception Form is in file page no #394- Credit pkg.pdf - Due Diligence Vendor-01/13/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #1- Credit pkg.pdf, 3. 5+ years credit history- Oldest tradeline date in CBR page #1- Credit pkg.pdf is 12/01/2008, 4. Credit score >40 points than minimum required- Audited FICO Score is 723, Guideline Maximum FICO Score is 680 difference is 43, Which is Greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7052484 | |||||
| 268 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-13 01:30 | 2026-01-15 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7055360 | ||||||
| 269 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-14 11:54 | 2026-01-15 09:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7091965 | ||||||
| 270 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-14 04:34 | 2026-01-15 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7081887 | ||||||
| 271 | D | B | D | A | D | B | A | A | Closed | FCOM1263 | 2026-01-14 14:57 | 2026-02-05 09:40 | Acknowledged | 2 - Non-Material | D | B | Compliance | Missing Doc | Right of Rescission is Partially Provided | Acknowledged-lender used alternative form H8 and not a compliance grade issue. TPR acknowledges incorrect form but no compliance failure - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please find the response attached - Buyer-02/04/2026 Open-Right of Rescission is Partially Provided and the 1003 Page Occupancy status is 'Primary Residence'. wrong form. paid off same lender is the H-9 form - Due Diligence Vendor-01/14/2026 |
Acknowledged-lender used alternative form H8 and not a compliance grade issue. TPR acknowledges incorrect form but no compliance failure - Due Diligence Vendor-02/05/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7095623 | |||||
| 271 | D | B | D | A | D | B | A | A | Closed | FCRE6679 | 2026-01-14 15:18 | 2026-01-28 11:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Open Current Charge offs | Resolved-proof charge off paid now present - Due Diligence Vendor-01/28/2026 Ready for Review-Document Uploaded. Please find the Supplemental report attached. Charge off was removed - Buyer-01/28/2026 Open-$[Redacted] charge off on credit last report 10/2022 (not past statute of limits) - Due Diligence Vendor-01/14/2026 |
Resolved-proof charge off paid now present - Due Diligence Vendor-01/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7095919 | |||||
| 271 | D | B | D | A | D | B | A | A | Closed | FCOM4028 | 2026-01-14 14:46 | 2026-01-15 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7095453 | ||||||
| 272 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-01-14 08:03 | 2026-01-14 16:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7085189 | ||||||
| 272 | D | B | D | B | A | A | A | A | Closed | FCRE2393 | 2026-01-14 09:34 | 2026-01-14 09:34 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Waived-Waived-As per guide, No Escrow Waiver with Interest Only *Exception form is provided to allow escrow waiver on interest only loan *Approved Conditions: 0.25 to price *Exception form is on page # 709 of 963 - Due Diligence Vendor-1/14/2026 - Due Diligence Vendor-01/14/2026 |
Waived-Waived-As per guide, No Escrow Waiver with Interest Only *Exception form is provided to allow escrow waiver on interest only loan *Approved Conditions: 0.25 to price *Exception form is on page # 709 of 963 - Due Diligence Vendor-1/14/2026 - Due Diligence Vendor-01/14/2026 |
Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 7087967 | |||||
| 273 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-14 11:12 | 2026-01-15 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7090913 | ||||||
| 274 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-15 06:59 | 2026-01-15 16:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7107810 | ||||||
| 275 | D | A | D | A | A | A | A | A | Closed | FCRE9512 | 2026-01-15 06:23 | 2026-01-16 15:14 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-Received 2023 tax transcripts - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Buyer-01/16/2026 Open-2 yr FD - changed to 1 yr FD -No 2023 income docs in file. - Due Diligence Vendor-01/15/2026 |
Resolved-Received 2023 tax transcripts - Due Diligence Vendor-01/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7107289 | |||||
| 275 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-15 06:02 | 2026-01-15 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/15/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7107008 | ||||||
| 276 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-01-14 11:23 | 2026-01-15 16:01 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received desk review and supports value - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Buyer-01/15/2026 Open-No review product located in file - Due Diligence Vendor-01/14/2026 |
Resolved-Received desk review and supports value - Due Diligence Vendor-01/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7091173 | |||||
| 276 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-01-14 10:47 | 2026-01-14 16:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7090303 | ||||||
| 277 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-16 07:51 | 2026-01-20 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/20/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7136523 | ||||||
| 278 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-14 12:15 | 2026-01-14 16:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/14/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7092417 | ||||||
| 279 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-01-15 12:29 | 2026-01-21 11:10 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI documented and updated - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. The additional revolving credit has been added for [Redacted]. As for the credit report reading $92 for [Redacted], this is incorrect. The credit report shows $35 for the monthly payment which is what we have in the system. DTI is now 48.600% - Buyer-01/20/2026 Open-DTI is off by 0.04% Lender DTI is 48.56% -DTI is off as lender considered Other Liability as $35 whereas as per Credit report it is $92. 1 revolving A/c not considered by lender which is reflecting in credit report -DTI should be Subject Negative + Other EXP / Income = $[Redacted] / $[Redacted] = 48.60% - Due Diligence Vendor-01/15/2026 |
Resolved-DTI documented and updated - Due Diligence Vendor-01/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7117951 | |||||
| 279 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-15 09:40 | 2026-01-16 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/16/2026 Resolved- - Due Diligence Vendor-01/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7114044 | ||||||
| 280 | C | A | A | A | C | A | A | A | Closed | 2260 | 2026-01-15 14:44 | 2026-01-29 11:50 | Resolved | 1 - Information | C | A | Compliance | Mavent | Prepayment: Penalty | Resolved-none per lender - Due Diligence Vendor-01/29/2026 Ready for Review-No PPP as per Lock Form - Buyer-01/29/2026 Open-Prepayment penalties are not allowed in [Redacted] with loan amount less than or equal to [Redacted]. Confirm prepayment - Due Diligence Vendor-01/15/2026 |
Resolved-none per lender - Due Diligence Vendor-01/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7121761 | ||||||
| 281 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-15 21:36 | 2026-01-16 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7128995 | ||||||
| 282 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-01-15 04:46 | 2026-01-15 13:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7105472 | ||||||
| 282 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-01-15 05:03 | 2026-01-15 05:23 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Waived-As per guide, Guideline requires fixed income to have a minimum 36 month continuance. *Exception form is provided to allow pension income slated to expire 03/01/2028, or in 26 months. *Approved Conditions: None *Exception form is on page # 88 of 116 - Due Diligence Vendor-01/15/2026 - Due Diligence Vendor-01/15/2026 |
Waived-Income and Employment Do Not Meet Guidelines Waived-As per guide, Guideline requires fixed income to have a minimum 36 month continuance. *Exception form is provided to allow pension income slated to expire 03/01/2028, or in 26 months. *Approved Conditions: None *Exception form is on page # 88 of 116 - Due Diligence Vendor-01/15/2026 - Due Diligence Vendor-01/15/2026 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required. No mortgage Lates last 24 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 7105694 | |||||
| 283 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-14 22:40 | 2026-01-15 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 7103628 | ||||||
| 284 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-13 15:03 | 2026-01-14 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7074704 | ||||||
| 285 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-19 09:00 | 2026-01-20 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/20/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7165662 | ||||||
| 286 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-22 13:34 | 2026-01-26 07:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7253645 | ||||||
| 287 | D | A | D | A | A | A | D | A | Closed | FCRE9991 | 2026-01-27 08:46 | 2026-02-09 07:38 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated their DTI and now matches at .626 - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. The system was updated, DTI is 0.626%. - Buyer-02/07/2026 Open-DTI should be .63% Lender has4.5%. PITIA is $-[Redacted] (net neg rents) /$[Redacted] there are no other debts on credit, 1003 or 1008. Not sure how lender DTI is 4.5% - Due Diligence Vendor-01/27/2026 |
Resolved-lender updated their DTI and now matches at .626 - Due Diligence Vendor-02/09/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7312067 | |||||
| 287 | D | A | D | A | A | A | D | A | Closed | FCRE1157 | 2026-01-27 08:36 | 2026-02-04 06:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Please see the updated policy. - Buyer-02/02/2026 Open-Missing Hazard Insurance Policy missing hazard that is dated within 30 days or Note on purchase. this policy is dated Nov and loan closed in January EFFECTIVE DATE REQUIREMENTS FOR PURCHASE TRANSACTIONS All policies cannot go into effect more than 30 days prior to closing, and the policy must be paid in full prior or at closing. - Due Diligence Vendor-01/27/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/04/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7311650 | |||||
| 287 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-01-27 08:37 | 2026-02-02 08:26 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-missing AVM now present - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please see the AVM. - Buyer-01/31/2026 Open-missing AVM or value support - Due Diligence Vendor-01/27/2026 |
Resolved-missing AVM now present - Due Diligence Vendor-02/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7311675 | |||||
| 287 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-01-27 08:05 | 2026-01-28 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/28/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7310860 | ||||||
| 288 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-01-29 22:27 | 2026-01-30 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7364357 | ||||||
| 288 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-01-30 01:56 | 2026-01-30 01:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Subject property type is Multi family and per Guidelines minimum loan amount is $[Redacted] whereas Audited loan amount is $[Redacted] which is not allowed. However, We have exception in page #66_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-01/30/2026 | Waived-Subject property type is Multi family and per Guidelines minimum loan amount is $[Redacted] whereas Audited loan amount is $[Redacted] which is not allowed. However, We have exception in page #66_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-01/30/2026 |
No credit events past 40 months -No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history - Oldest tradeline date in CBR page #57_[Redacted] Credit Package 2.pdf is 02/01/2020 Reserves >6 months - Calculated Reserves 101.26 months is greater than 6 months. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7365792 | |||||
| 289 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-01-29 09:59 | 2026-01-30 06:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7354439 | ||||||
| 290 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-01-30 05:12 | 2026-02-02 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-01/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7368749 | ||||||
| 290 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-01-30 06:31 | 2026-01-30 10:37 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception in page#5_[Redacted] Credit Package 2.pdf provided as it is [Redacted]. - Due Diligence Vendor-01/30/2026 | Waived-Exception in page#5_[Redacted] Credit Package 2.pdf provided as it is [Redacted]. - Due Diligence Vendor-01/30/2026 |
No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months - No Mortgage late payments in CBR Page #97_[Redacted] Credit Package 2.pdf Credit score >40 points than minimum required - Guideline Min FICO is 660 Qualifying FICO is 741 variance is 81 > 40 points |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 7370722 | |||||
| 290 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-01-30 06:28 | 2026-01-30 10:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan amount $[Redacted] is less than required guideline loan amount [Redacted] which is not allowed , however we have exception in page #6_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-01/30/2026 | Waived-Loan amount $[Redacted] is less than required guideline loan amount [Redacted] which is not allowed , however we have exception in page #6_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-01/30/2026 |
No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months - No Mortgage late payments in CBR Page #97_[Redacted] Credit Package 2.pdf Credit score >40 points than minimum required - Guideline Min FICO is 660 Qualifying FICO is 741 variance is 81 > 40 points Borrower contribution exceeds requirement >=5% - Borrower contribution is nearly 36.47% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 7370654 | |||||
| 291 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-05 05:54 | 2026-02-06 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7459176 | ||||||
| 292 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-02-06 02:57 | 2026-02-09 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7483549 | ||||||
| 292 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-02-06 04:49 | 2026-02-06 05:53 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Loan Amount $[Redacted] (Rate&Term) is greater than maximum allowed amount $[Redacted] as per guidelines, however exception document is in page # 1 of Credit Package 2.pdf - Due Diligence Vendor-02/06/2026 | Waived-Loan Amount $[Redacted] (Rate&Term) is greater than maximum allowed amount $[Redacted] as per guidelines, however exception document is in page # 1 of Credit Package 2.pdf - Due Diligence Vendor-02/06/2026 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months-No Mortgage late payments in CBR Page #146 of Credit Package 2.pdf 5+ years credit history-Oldest tradeline date in CBR page # 146 of Credit Package 2.pdf is 11/01/2001 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #146 of Credit Package 2.pdf LTV 10% below maximum-Audited LTV 41.85% & Maximum LTV 55% with difference 13.15%> 10% Credit score >40 points than minimum required-Audited FICO 794 and Guideline maximum FICO 660 with difference 134 which is greater than 40 points |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7484513 | |||||
| 293 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-02-11 12:43 | 2026-02-19 09:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 Resolved-Received account # - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Policy number is [Redacted]. - Buyer-02/18/2026 Counter-this field reports, we require it - Due Diligence Vendor-02/17/2026 Ready for Review-NQM Guidelines do not state the requirement for Hazard insurance policy number. - Buyer-02/14/2026 Open-Hazard Insurance Policy Partially Provided HOA Policy no. is missing refer page no 164 of 310 - Due Diligence Vendor-02/12/2026 Open-Hazard Insurance Policy Partially Provided HOA Policy no. is missing - Due Diligence Vendor-02/11/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 Resolved-Received account # - Due Diligence Vendor-02/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7566103 | |||||
| 293 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-11 11:36 | 2026-02-12 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7564549 | ||||||
| 294 | D | B | D | A | A | A | D | B | Closed | FVAL5472 | 2026-02-17 13:47 | 2026-02-19 10:01 | Waived | 2 - Non-Material | C | B | Property | Property | Property or house size is outside of guidelines | Waived-Exception provided: Condo is [Redacted] sq ft condo - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see the attached exception form for the square footage. - Buyer-02/18/2026 Open- - Gross living area < [Redacted] square feet. Condo unit only [Redacted] square feet. - Due Diligence Vendor-02/17/2026 |
Waived-Exception provided: Condo is [Redacted] sq ft condo - Due Diligence Vendor-02/19/2026 |
Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 7662727 | ||||
| 294 | D | B | D | A | A | A | D | B | Closed | FVAL1039 | 2026-02-13 09:39 | 2026-02-18 12:14 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-AVM now present - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Please see attached AVM. - Buyer-02/18/2026 Open- - CU scores 3 and 5. Missing AVM. - Due Diligence Vendor-02/13/2026 |
Resolved-AVM now present - Due Diligence Vendor-02/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7611100 | |||||
| 294 | D | B | D | A | A | A | D | B | Closed | FCOM4028 | 2026-02-13 08:59 | 2026-02-17 13:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7609426 | ||||||
| 295 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-02-16 09:21 | 2026-03-05 11:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/05/2026 Resolved-renewed condo ins now present - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Buyer-03/05/2026 Counter-this policy expired before closing. Policy expired 2/1 and loan closed 2/9 - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. - Buyer-02/27/2026 Open-Missing Master Condo Insurance Policy - Due Diligence Vendor-02/16/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/05/2026 Resolved-renewed condo ins now present - Due Diligence Vendor-03/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7633275 | |||||
| 295 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-16 08:52 | 2026-02-18 15:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7632945 | ||||||
| 296 | D | A | D | A | C | A | A | A | Closed | 2260 | 2026-02-18 15:49 | 2026-02-20 11:37 | Resolved | 1 - Information | C | A | Compliance | Mavent | Prepayment: Penalty | Resolved-none per lender - Due Diligence Vendor-02/20/2026 Ready for Review-No PPP per lock - Buyer-02/19/2026 Open-confirm none - Due Diligence Vendor-02/18/2026 |
Resolved-none per lender - Due Diligence Vendor-02/20/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7686300 | ||||||
| 296 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-02-16 10:05 | 2026-02-18 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7634074 | ||||||
| 297 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-17 10:40 | 2026-02-19 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7658725 | ||||||
| 298 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | ||||||||||||||||||||
| 299 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-02-26 11:12 | 2026-03-02 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7826705 | ||||||
| 300 | D | B | D | B | C | A | D | B | Closed | FVAL1039 | 2026-04-22 10:55 | 2026-04-23 09:51 | Waived | 2 - Non-Material | D | B | Property | Value | Appraised value unsupported | Waived-Document Uploaded. - Due Diligence Vendor-04/23/2026 Waived-Loan is very low LTV. Lender has provided waiver to use BPO as primary Value and appraisal as support value. Finding is waived with comp factors. Final grade B. - Due Diligence Vendor-04/23/2026 Open-Missing support value - Due Diligence Vendor-04/22/2026 |
Exception Type Appraisal - Short Description allow to use BPO as primary valuation and full appraisal as secondary valuation - 04/23/2026 |
Waived-Document Uploaded. - Due Diligence Vendor-04/23/2026 Waived-Loan is very low LTV. Lender has provided waiver to use BPO as primary Value and appraisal as support value. Finding is waived with comp factors. Final grade B. - Due Diligence Vendor-04/23/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8821601 | |||
| 300 | D | B | D | B | C | A | D | B | Closed | 2260 | 2026-02-26 14:03 | 2026-03-05 07:11 | Resolved | 1 - Information | C | A | Compliance | Mavent | Prepayment: Penalty | Resolved-no prepay - Due Diligence Vendor-03/04/2026 Ready for Review-No PPP ,per lock there is an adjustment for 0 Y PPP - Buyer-03/03/2026 Open-Pre-payment penalty is not present in file. Please confirm there is no prepayment penalty for this loan. - Due Diligence Vendor-02/26/2026 |
Resolved-no prepay - Due Diligence Vendor-03/04/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7831248 | ||||||
| 300 | D | B | D | B | C | A | D | B | Closed | FCOM4028 | 2026-02-26 12:29 | 2026-02-27 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-02/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-02/27/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 7828683 | ||||||
| 300 | D | B | D | B | C | A | D | B | Closed | FPRO1243 | 2026-02-26 13:48 | 2026-02-27 13:54 | Waived | 2 - Non-Material | B | B | Property | Missing Doc | Second Appraisal is Missing | Waived-As per guide, if a loan has only one original appraisal, a commercial BPO is required. *Exception is provided to Waive 2nd appraisal *Approved Conditions: 0.25 to price *Exception Form page no 4 of 141 - Due Diligence Vendor-02/26/2026 |
Waived-As per guide, if a loan has only one original appraisal, a commercial BPO is required. *Exception is provided to Waive 2nd appraisal *Approved Conditions: 0.25 to price *Exception Form page no 4 of 141 - Due Diligence Vendor-02/26/2026 |
No credit events past 40 months, no mortgage late payments in the last 24 months, 5+ years credit history, no consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7830988 | |||||
| 300 | D | B | D | B | C | A | D | B | Closed | FCRE1200 | 2026-02-26 13:42 | 2026-02-26 13:42 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide when the property type is multifamily minimum $[Redacted] is required *Exception form is provided to allow loan amount of $[Redacted] *Approved Conditions 0.25 to price *Exception Form is on pg. no 3 of 141 - Due Diligence Vendor-02/26/2026 |
Waived-*As per guide when the property type is multifamily minimum $[Redacted] is required *Exception form is provided to allow loan amount of $[Redacted] *Approved Conditions 0.25 to price *Exception Form is on pg. no 3 of 141 - Due Diligence Vendor-02/26/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 7830805 | |||||
| 301 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-03-03 08:22 | 2026-03-05 11:31 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lock reflects 778 - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. fixed - Buyer-03/05/2026 Open- - Data Tape FICO 752. Primary Wage Earner mid fico is 778. - Due Diligence Vendor-03/03/2026 |
Resolved-lock reflects 778 - Due Diligence Vendor-03/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7895949 | |||||
| 301 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-03 07:24 | 2026-03-03 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/03/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7894619 | ||||||
| 302 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-03 06:58 | 2026-03-04 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/04/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7893970 | ||||||
| 303 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-03-03 09:53 | 2026-06-19 11:19 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/19/2026 Resolved-acct for funds to be deposited is now present and not - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached - Buyer-06/19/2026 Counter-we need an asset for where funds are being deposited, this is expired. Lender to confirm you accept this - Due Diligence Vendor-06/18/2026 Ready for Review-UW was following revised NQM GL from 01/23/2026 valid at the time of closing. As per GL, for loans with [Redacted] and below, no bank statements are required - Buyer-06/18/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Bank statement from 2024, Asset is expired - Due Diligence Vendor-03/03/2026 |
Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-06/19/2026 Resolved-acct for funds to be deposited is now present and not - Due Diligence Vendor-06/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7898434 | |||||
| 303 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-03 09:17 | 2026-03-04 14:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/04/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7897351 | ||||||
| 304 | D | A | D | A | A | A | A | A | Closed | FCRE4989 | 2026-03-03 14:53 | 2026-03-09 11:16 | Resolved | 1 - Information | C | A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-lender provided proof collection exceeds statute of limits - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please review uploaded statutes of limitations. - Buyer-03/06/2026 Open-No proof of outstanding collections paid at or prior to close, amount to large to disregard - Due Diligence Vendor-03/03/2026 |
Resolved-lender provided proof collection exceeds statute of limits - Due Diligence Vendor-03/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7907187 | |||||
| 304 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-03 13:42 | 2026-03-05 12:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 7904995 | ||||||
| 305 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-09 08:13 | 2026-03-10 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 7996143 | ||||||
| 306 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-12 07:00 | 2026-03-13 16:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/13/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8068107 | ||||||
| 307 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-12 07:52 | 2026-03-17 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8069425 | ||||||
| 308 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-13 08:03 | 2026-03-18 08:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8094646 | ||||||
| 309 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-03-13 11:53 | 2026-03-18 11:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8102132 | ||||||
| 309 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-03-13 13:51 | 2026-03-18 11:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-As per ratesheet for FTHB max amount is $[Redacted]. However file loan amount is $[Redacted] not meeting the guide. As per exception form proceed with FTHB LA > [Redacted] Approved as is exception form page no 61 of 131 - Due Diligence Vendor-03/13/2026 |
Waived-As per ratesheet for FTHB max amount is $[Redacted]. However file loan amount is $[Redacted] not meeting the guide. As per exception form proceed with FTHB LA > [Redacted] Approved as is exception form page no 61 of 131 - Due Diligence Vendor-03/13/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, 5+ years credit history. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8104822 | |||||
| 310 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-25 09:27 | 2026-03-27 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8313651 | ||||||
| 311 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-25 10:33 | 2026-03-26 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8315084 | ||||||
| 312 | D | A | D | A | A | A | A | A | Closed | FCRE6969 | 2026-03-27 06:03 | 2026-04-01 12:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-gift now present - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please see attached gift funds documentation: gift letter and verification of large deposits. - Buyer-04/01/2026 Open-Please provide supporting documents to verify if Gift funds in page #120 & 122_Credit .pdf deposited to Borrower account. Unable to verify the same from provided Statements. - Due Diligence Vendor-03/27/2026 |
Resolved-gift now present - Due Diligence Vendor-04/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8355843 | |||||
| 312 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-27 01:15 | 2026-03-27 15:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/27/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8353019 | ||||||
| 313 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-03-27 14:54 | 2026-04-08 09:19 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI now updated to 49% - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Updated tape uploaded - Seller-04/07/2026 Counter-using $[Redacted]/ mo and subtracting out PITIA on 1003 of $[Redacted] the new neg rent is $-[Redacted]. Assuming all else stayed the same the DTI is 49% not 46. Need tape updated. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please review new DTI with updated 1008 - Seller-04/06/2026 Open-1008 DTI is 40.24%. Should be 43.05%. 1008 has incorrect calculation of DTI but correct PITI/Debts. Subject PITI is $[Redacted] + $[Redacted] (primary Rent) + $[Redacted] (debts) + $[Redacted] (neg rent other) = $[Redacted] Qualifying Income = 43.05% - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. Updated tape uploaded - Seller-04/07/2026 Ready for Review-Document Uploaded. Please review new DTI with updated 1008 - Seller-04/06/2026 |
Resolved-DTI now updated to 49% - Due Diligence Vendor-04/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8368772 | ||||
| 313 | D | A | D | A | A | A | A | A | Closed | FCRE1345 | 2026-03-27 14:19 | 2026-04-06 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-1025 for new 2 unit purchase rents now present - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Uploaded rental income from appraisal. New loan with $[Redacted] payment is not closed yet. - Buyer-04/06/2026 Open-Borrower 1 Lease Agreements Missing Missing Lease for [Redacted] REO for $[Redacted] monthly plus verification the new payment for this property of $[Redacted] monthly. - Due Diligence Vendor-03/27/2026 |
Resolved-1025 for new 2 unit purchase rents now present - Due Diligence Vendor-04/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8367721 | |||||
| 313 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2026-03-31 10:09 | 2026-04-06 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-now present - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Income calculation worksheet. - Buyer-04/06/2026 Open- - Due Diligence Vendor-03/31/2026 |
Resolved-now present - Due Diligence Vendor-04/06/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8408813 | |||||
| 313 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-27 13:48 | 2026-03-31 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8366968 | ||||||
| 314 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-27 13:43 | 2026-03-31 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8366839 | ||||||
| 315 | D | B | D | B | C | A | A | A | Closed | FCOM4028 | 2026-03-28 10:53 | 2026-03-30 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/30/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 8372459 | ||||||
| 315 | D | B | D | B | C | A | A | A | Closed | FCRE6696 | 2026-03-28 11:54 | 2026-03-28 11:54 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Waived-As per guide, Guideline Minimum Self Employment history is 2 years. *Exception form is provided to allow Bwr with less than 2 yr self employment history. Worked for father's business and then inherited/took over business in 01/2025 as sole owner. *Approved Conditions: 0.125 to price *Exception form is on page # 600 of 762 - Due Diligence Vendor-03/28/2026 - Due Diligence Vendor-03/28/2026 |
Waived-Waived-As per guide, Guideline Minimum Self Employment history is 2 years. *Exception form is provided to allow Bwr with less than 2 yr self employment history. Worked for father's business and then inherited/took over business in 01/2025 as sole owner. *Approved Conditions: 0.125 to price *Exception form is on page # 600 of 762 - Due Diligence Vendor-03/28/2026 - Due Diligence Vendor-03/28/2026 |
No mortgage late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 8372623 | |||||
| 316 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-30 13:39 | 2026-04-02 08:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8391786 | ||||||
| 317 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-03-31 07:51 | 2026-04-02 12:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please review uploaded initial CD - Buyer-04/02/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Unable to test Compliance without the missing initial Closing Disclosure. - Due Diligence Vendor-03/31/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-04/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8403489 | |||||
| 317 | D | A | D | A | D | A | A | A | Closed | FCOM5814 | 2026-03-31 07:51 | 2026-04-02 12:01 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-This is acceptable. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please revie wuploaded initial CD - Buyer-04/02/2026 Open-Provide the missing initial Closing Disclosure and any Change of Circumstance that go with it. - Due Diligence Vendor-03/31/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-04/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8403480 | |||||
| 317 | D | A | D | A | D | A | A | A | Closed | FCOM9845 | 2026-03-31 08:02 | 2026-04-02 12:01 | Cured | 1 - Information | C | A | Compliance | TRID | TRID: Closing disclosure Loan Costs and/or Other Costs deficiency | Cured-This is acceptable. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please review uploaded PCCD,LOX, a copy of refund check and [Redacted] tracking info . - Buyer-04/02/2026 Open-Final CD [Redacted] Loan Costs, Section B, Appraisal Desk Review is missing the Payee name needed for tolerance testing. - Due Diligence Vendor-03/31/2026 |
Cured-This is acceptable. - Due Diligence Vendor-04/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8403713 | |||||
| 317 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-03-30 15:23 | 2026-03-31 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8393593 | ||||||
| 318 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-30 22:54 | 2026-03-31 09:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/31/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-03/31/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8396868 | ||||||
| 319 | D | A | D | A | A | A | A | A | Closed | FCRE1226 | 2026-03-31 12:04 | 2026-06-05 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-transfer doc now present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. - Buyer-06/05/2026 Open-Appraisal Transfer in file and AVM is missing - Due Diligence Vendor-03/31/2026 |
Resolved-transfer doc now present - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8411123 | |||||
| 319 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-03-31 10:25 | 2026-04-02 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-03/31/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 8409126 | ||||||
| 320 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-02 13:43 | 2026-04-08 13:12 | Acknowledged | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Acknowledged-TPR calculation is not matching as fully amortized. TPR accepts the lender calc and DTI is differing - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Thank you for clarifying. The 1008 seems to be printing wrong but I was able to get it updated to show the accurate PITI breakdown. DTI now matches. Please see attached. 52.632% - Buyer-04/08/2026 Counter-sorry DTI is actually 45.70 not 52%. If you manually add up the payments on 1008 they do not equal 52% ($[Redacted] is the PITIA payment.) Please provide your full payment calculation of all debts. You add them all up and the total DTI is 45.70% PITIA of $[Redacted]= 45.70 Lender 1008 is incorrect - Due Diligence Vendor-04/07/2026 Ready for Review-Based on the below it sounds like we are on the same page and the DTI is 52.63% per the 1008. Please clear or advise if you need anything additional as this file was approved based on GL at the Fully indexed Qualified rate since it is higher than the Note. Thank you, - Buyer-04/07/2026 Counter-guidelines state to qualify at All programs will be qualified at the greater of the fully indexed rate or the note rate. the note rate is less than fully amortized rate so using the amortized rate the DTI is 52.63% - Due Diligence Vendor-04/07/2026 Ready for Review-If you could please clarify your calculation of how the DTI = 45.70%. "TPR used fully amortized payment with a P/I of $[Redacted]". The P/I at the Note rate of 5.75% = $[Redacted]. The Qualifying Rate is 8.75%, with a P/I of $[Redacted]=DTI 52.63% - Buyer-04/06/2026 Open-- DTI should be 45.70%. Approval is 52.63%. TPR used fully amortized payment with a P/I of $[Redacted] plus taxes and insurance and hOA fee + Debts from Credit report of $[Redacted] + negative rents used of [Redacted] / Income of $[Redacted] = 45.70% - Due Diligence Vendor-04/03/2026 |
Acknowledged-TPR calculation is not matching as fully amortized. TPR accepts the lender calc and DTI is differing - Due Diligence Vendor-04/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | No | 8461301 | |||||
| 320 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-02 12:36 | 2026-04-03 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8459764 | ||||||
| 321 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-04-03 08:09 | 2026-04-06 11:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the ICD. - Buyer-04/04/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Unable to test Compliance without the missing initial Closing Disclosure. - Due Diligence Vendor-04/03/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-04/06/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8474070 | |||||
| 321 | D | A | D | A | D | A | A | A | Closed | FCOM5814 | 2026-04-03 08:08 | 2026-04-06 11:26 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-now present - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/04/2026 Open-Provide the missing initial Closing Disclosure and any Change of Circumstance that may be missing. - Due Diligence Vendor-04/03/2026 |
Resolved-now present - Due Diligence Vendor-04/06/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8474041 | |||||
| 321 | D | A | D | A | D | A | A | A | Closed | FCRE1491 | 2026-04-03 07:18 | 2026-04-06 11:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-acct used for deposit of reserves now present - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/04/2026 Open-Asset Qualification Does Not Meet Guideline Requirements File is missing asset stmts. Need 30 days most recent stmt from where the loan proceeds were placed into. - Due Diligence Vendor-04/03/2026 |
Resolved-acct used for deposit of reserves now present - Due Diligence Vendor-04/06/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8473015 | |||||
| 321 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-04-03 06:26 | 2026-04-03 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/03/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8472237 | ||||||
| 322 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-08 12:48 | 2026-04-09 16:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8555365 | ||||||
| 323 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-13 14:37 | 2026-04-16 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8633805 | ||||||
| 324 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-04-14 09:50 | 2026-04-21 13:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-does not meet loan amount cap for First time homebuyer, waiver now present - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Buyer-04/21/2026 Open- - FTHB allowed: Max LA = $[Redacted] - Due Diligence Vendor-04/14/2026 |
Waived-does not meet loan amount cap for First time homebuyer, waiver now present - Due Diligence Vendor-04/21/2026 |
No credit events past 40 months, No consumer late payments in the last 24 months, 2+ borrowers on the loan | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8654397 | ||||
| 324 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-04-14 09:46 | 2026-04-21 08:39 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated the lock for FICO score to 736 - Due Diligence Vendor-04/21/2026 Open- - Data Tape FICO 731. The borrower with the highest monthly income is considered the primary wage earner and their credit score will be used as the representative credit score. FICO for highest income borrower is 736. - Due Diligence Vendor-04/14/2026 |
Resolved-lender updated the lock for FICO score to 736 - Due Diligence Vendor-04/21/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8654281 | ||||||
| 324 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2026-04-14 09:44 | 2026-04-21 08:35 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-loan relocked at 1 yr - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. - Buyer-04/20/2026 Open- - loan locked as a 2 year full doc loan. B2 provided 2025 W2 and current paystub. Please provide 2024 W2. - Due Diligence Vendor-04/14/2026 |
Resolved-loan relocked at 1 yr - Due Diligence Vendor-04/21/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8654228 | |||||
| 324 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-14 08:46 | 2026-04-17 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8651673 | ||||||
| 325 | D | A | D | A | A | A | A | A | Closed | 1000611-1001964 | 2026-04-20 09:55 | 2026-04-28 12:29 | Cured | 1 - Information | A | A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Cured-Post Consummation Closing Disclosure [Redacted] provided is acceptable. - Due Diligence Vendor-04/28/2026 Rescinded-The Loan Product of ((5/6 mo. Adjustable Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-04-14). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-04/28/2026 Open-The Loan Product of (5/6 mo. Adjustable Raste) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-04-14). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Buyer-04/28/2026 Counter-unclear what comments mean, but the issue is the final CD is an ARM but at top of Final CD has fixed rate checked. this is incorrect. - Due Diligence Vendor-04/23/2026 Ready for Review-funding date is 4/16. It is a RCD. ICD is 4/7/2026 No PCCD no file - Buyer-04/23/2026 Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-04-14). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) PCCD 04/14/20226 e-signed by the borrower on 04/16/2026 Loan Product is disclosed as Fixed Rate and the Loan is a 5/6 mo. Adjustable Rate. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Cured-Post Consummation Closing Disclosure [Redacted] provided is acceptable. - Due Diligence Vendor-04/28/2026 Rescinded-The Loan Product of ((5/6 mo. Adjustable Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-04-14). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-04/28/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8772102 | |||||
| 325 | D | A | D | A | A | A | A | A | Closed | 1000679-1002410 | 2026-04-20 09:55 | 2026-04-28 12:29 | Cured | 1 - Information | A | A | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure (Loan Product)(Last CD not in Person) | Cured-Post Consummation Closing Disclosure [Redacted] provided is acceptable. - Due Diligence Vendor-04/28/2026 Rescinded-The Loan Product of ((5/6 mo. Adjustable Rate) on the last Closing Disclosure does not match the system calculated Loan Product of (5/6 mo. Adjustable Rate). The last Closing Disclosure was provided on ([Redacted]) via (Other), which is not at least 6 business days before the consummation date of ([Redacted]). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of ([Redacted]). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/28/2026 Open-The Loan Product of (5/6 mo. Adjustable Raste) on the last Closing Disclosure does not match the system calculated Loan Product of (5/6 mo. Adjustable Rate). The last Closing Disclosure was provided on ([Redacted]) via (Other), which is not at least 6 business days before the consummation date of ([Redacted]). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of ([Redacted]). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 Counter-unclear what comments mean, but the issue is the final CD is an ARM but at top of Final CD has fixed rate checked. this is incorrect. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. funding date is 4/16. It is a RCD. ICD is 4/7/2026 No PCCD no file - Seller-04/23/2026 Open-The Loan Product of (Fixed Rate) on the last Closing Disclosure does not match the system calculated Loan Product of (5/6 mo. Adjustable Rate). The last Closing Disclosure was provided on ([Redacted]) via (Other), which is not at least 6 business days before the consummation date of ([Redacted]). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of ([Redacted]). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) PCCD 04/14/20226 e-signed by the borrower on [Redacted] Loan Product is disclosed as Fixed Rate and the Loan is a 5/6 mo. Adjustable Rate. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. - Seller-04/28/2026 Ready for Review-Document Uploaded. funding date is 4/16. It is a RCD. ICD is [Redacted] No PCCD no file - Seller-04/23/2026 |
Cured-Post Consummation Closing Disclosure [Redacted] provided is acceptable. - Due Diligence Vendor-04/28/2026 Rescinded-The Loan Product of ((5/6 mo. Adjustable Rate) on the last Closing Disclosure does not match the system calculated Loan Product of (5/6 mo. Adjustable Rate). The last Closing Disclosure was provided on ([Redacted]) via (Other), which is not at least 6 business days before the consummation date of ([Redacted]). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of ([Redacted]). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/28/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8772101 | ||||
| 325 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-04-22 09:50 | 2026-04-24 08:28 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Taxes are included in PITIA and our system is using PITIA at fully amortized payment. P/I is $[Redacted] and DTI is 37.80% . Lender calc differs however both qualify - Due Diligence Vendor-04/24/2026 Ready for Review-Missing Taxes in amount [Redacted]. Total All Monthly Payment: [Redacted] / Income $[Redacted] - Buyer-04/23/2026 Open-*DTI is off by 8.16% >DTI should be 37.41%. Approval is 45.57%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] / Income of $[Redacted] = 37.41% Reason: unable to identify how lender calculated the DTI. - Due Diligence Vendor-04/22/2026 |
Resolved-Taxes are included in PITIA and our system is using PITIA at fully amortized payment. P/I is $[Redacted] and DTI is 37.80% . Lender calc differs however both qualify - Due Diligence Vendor-04/24/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8820378 | ||||||
| 325 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-17 15:25 | 2026-04-22 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/22/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8747746 | ||||||
| 326 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-04-17 13:37 | 2026-04-22 14:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-now present - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/22/2026 Open-Approval and 1008 Document is missing in file - Due Diligence Vendor-04/17/2026 |
Resolved-now present - Due Diligence Vendor-04/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8744505 | |||||
| 326 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-17 13:04 | 2026-04-21 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/21/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8743761 | ||||||
| 327 | D | A | D | A | A | A | A | A | Closed | FCRE1335 | 2026-04-22 08:14 | 2026-04-28 12:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-resolved with lender comments and employer direct verification since 1099 was NROR - Due Diligence Vendor-04/28/2026 Ready for Review-Document Uploaded. Please see employer letter that was previously uploaded and attached UW email. Per UW and guidelines 6.6.5 Income "If the current year is NROR the direct verification from the employer can be accepted." - Seller-04/28/2026 Counter-guidelines call for IRS W2/1099 transcript to validate and returned no record found. Need tax returns as guidelines state to provide if unable to verify 1099 via IRS or a waiver. finding is valid. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached 1099 for the past 1 year and verification of YTD income via paystub, written VOE or other 3rd party verification (employer letter). These documents were included in the package submitted as well. - Seller-04/24/2026 Open-Borrower 1 IRS Transcripts Missing No record found and does not meet : If the borrower does not meet the requirements above, tax returns for the most recent 1 years (IRS Form 1040) are required to determine income and related expenses. If the current year is NROR the direct verification from the employer can be accepted. Need either tax return or employer to verify last year earnings or exception - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see employer letter that was previously uploaded and attached UW email. Per UW and guidelines 6.6.5 Income "If the current year is NROR the direct verification from the employer can be accepted." - Seller-04/28/2026 Ready for Review-Document Uploaded. Please see attached 1099 for the past 1 year and verification of YTD income via paystub, written VOE or other 3rd party verification (employer letter). These documents were included in the package submitted as well. - Seller-04/24/2026 |
Resolved-resolved with lender comments and employer direct verification since 1099 was NROR - Due Diligence Vendor-04/28/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8817560 | ||||
| 327 | D | A | D | A | A | A | A | A | Closed | FCRE1479 | 2026-04-22 09:11 | 2026-04-27 09:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-missing bank statement to tie borrower and acct number not in original file now present - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see attached asset documents and email from UW. Per UW "Its a full statement in the file that goes along with that transaction history - Full statement list borrowers name and is dated 02/11-03/13 while the transaction history is dated 03/13-04/06- It contains the last four of the account number to match to full statement which is acceptable." - Seller-04/27/2026 Open-Asset Record 1 Does Not Meet G/L Requirements [Redacted] pg 82 is not a full 30 days and is missing the borrower name to show it is their acct. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. Please see attached asset documents and email from UW. Per UW "Its a full statement in the file that goes along with that transaction history - Full statement list borrowers name and is dated 02/11-03/13 while the transaction history is dated 03/13-04/06- It contains the last four of the account number to match to full statement which is acceptable." - Seller-04/27/2026 |
Resolved-missing bank statement to tie borrower and acct number not in original file now present - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8818895 | ||||
| 327 | D | A | D | A | A | A | A | A | Closed | FCRE3876 | 2026-04-22 07:58 | 2026-04-27 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title E&O Policy Missing or Expired | Resolved-E&O Now present - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the attached title e&o policy. - Buyer-04/27/2026 Open-Title O&E Policy is Missing or Expired missing - Due Diligence Vendor-04/22/2026 |
Resolved-E&O Now present - Due Diligence Vendor-04/27/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8817184 | |||||
| 327 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-22 07:37 | 2026-04-24 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8816747 | ||||||
| 328 | D | A | D | A | C | A | A | A | Closed | 50001252-Fees-Limited | 2026-04-22 14:44 | 2026-06-08 12:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Change of Circumstance provided is acceptable. - Due Diligence Vendor-06/08/2026 Resolved-Resolved - Due Diligence Vendor-06/08/2026 Ready for Review-Please see attached - Buyer-06/08/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee increased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted]. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-Change of Circumstance provided is acceptable. - Due Diligence Vendor-06/08/2026 Resolved-Resolved - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8827114 | ||||||
| 328 | D | A | D | A | C | A | A | A | Closed | 50001251-Fees-Limited | 2026-04-22 14:44 | 2026-06-08 12:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-This is acceptable. - Due Diligence Vendor-06/08/2026 Resolved-Resolved - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/08/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Loan Discount Fee increased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted]. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/08/2026 Resolved-Resolved - Due Diligence Vendor-06/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8827113 | |||||
| 328 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-04-22 12:28 | 2026-04-24 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/24/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8823466 | ||||||
| 329 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-23 10:22 | 2026-04-28 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8844605 | ||||||
| 330 | D | A | D | A | A | A | C | A | Closed | FVAL5474 | 2026-04-24 16:20 | 2026-06-09 07:08 | Resolved | 1 - Information | C | A | Property | Property | Condo project is ineligible | Resolved-proof litigation closed now present - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Good morning, When the loan was on UW stage the project had an "approved status" with [Redacted] without any restrictions. The litigation got closed in 2024 and was not already pending at the time of review. It is attached. - Buyer-06/09/2026 Open-Litigation check mar yes Lox on page#690 of 892 Need Confirmation if it is major Litigation or not - Due Diligence Vendor-04/24/2026 |
Resolved-proof litigation closed now present - Due Diligence Vendor-06/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8877487 | |||||
| 330 | D | A | D | A | A | A | C | A | Closed | FCRE9991 | 2026-04-24 16:14 | 2026-04-29 14:52 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-04/29/2026 Open- *DTI is off by 11.949 DTI should be 32.46%. Approval is 44.41%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] / Income of $[Redacted]= 32.46% Reason: Lender has considered [Redacted] as second home as per REO section and expense considered twice for $[Redacted] ideally it should go as [Redacted] - Due Diligence Vendor-04/24/2026 |
Resolved-lender updated DTI - Due Diligence Vendor-04/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8877462 | |||||
| 330 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-04-24 13:24 | 2026-04-28 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/28/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8874393 | ||||||
| 331 | D | A | D | A | A | A | C | A | Closed | FVAL5474 | 2026-04-28 10:06 | 2026-06-15 06:39 | Resolved | 1 - Information | C | A | Property | Property | Condo project is ineligible | Resolved-litigation docs now present and shows liability will cover - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/12/2026 Counter-this does not address the litigation - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/13/2026 Open-*Condo property litigation in file, However litigation documents missing in file - Due Diligence Vendor-04/28/2026 |
Resolved-litigation docs now present and shows liability will cover - Due Diligence Vendor-06/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8923002 | |||||
| 331 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-04-28 08:07 | 2026-04-30 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-04/30/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8918182 | ||||||
| 332 | D | B | D | B | A | A | B | B | Closed | FCRE1182 | 2026-04-27 11:55 | 2026-05-04 08:53 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-loan approval now present - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Approval letter and 1008 have been uploaded. - Buyer-05/01/2026 Open- - Due Diligence Vendor-04/27/2026 |
Resolved-loan approval now present - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8899322 | |||||
| 332 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-04-27 10:20 | 2026-04-30 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8896862 | ||||||
| 332 | D | B | D | B | A | A | B | B | Closed | FVAL5474 | 2026-04-27 12:02 | 2026-04-27 12:03 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived--A single entity owned more than allowed unit -Exception form provided to proceed with loan as 3 entity owed 20 condo unit. Approved Condition :- 0.25 to price -Exception form on page no 80 of 194 - Due Diligence Vendor-04/27/2026 |
Waived--A single entity owned more than allowed unit -Exception form provided to proceed with loan as 3 entity owed 20 condo unit. Approved Condition :- 0.25 to price -Exception form on page no 80 of 194 - Due Diligence Vendor-04/27/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8899467 | |||||
| 332 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-04-27 12:00 | 2026-04-27 12:00 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-- Minimum loan amount should be [Redacted] -Exception form provided to proceed with loan as file loan amount is $[Redacted]. -Approved Condition :- 0.25 to price -Exception from on page no 80 of 194 - Due Diligence Vendor-04/27/2026 |
Waived-- Minimum loan amount should be [Redacted] -Exception form provided to proceed with loan as file loan amount is $[Redacted]. -Approved Condition :- 0.25 to price -Exception from on page no 80 of 194 - Due Diligence Vendor-04/27/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8899395 | |||||
| 333 | D | A | D | A | B | A | A | A | Closed | 123ABH | 2026-04-27 12:08 | 2026-05-04 13:09 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-toolkit now present - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Homeowner Toolkit uploaded - Buyer-05/04/2026 Open-Homeowner Toolkit is missing in file - Due Diligence Vendor-04/28/2026 |
Resolved-toolkit now present - Due Diligence Vendor-05/04/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8899730 | |||||
| 333 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-04-27 11:07 | 2026-04-30 10:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8897922 | ||||||
| 334 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-04-27 11:38 | 2026-04-30 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 8898810 | ||||||
| 334 | D | B | D | B | A | A | B | B | Closed | FVAL5474 | 2026-04-27 13:33 | 2026-04-30 09:56 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As per guide per Projects with 5-20 units, single entity own is 2 units Exception is provided to proceed with A single entity owns 3 of the 20 condo units Approved With Conditions 0.25 to price Exception form page #78 of 167 - Due Diligence Vendor-04/27/2026 |
Waived-As per guide per Projects with 5-20 units, single entity own is 2 units Exception is provided to proceed with A single entity owns 3 of the 20 condo units Approved With Conditions 0.25 to price Exception form page #78 of 167 - Due Diligence Vendor-04/27/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8902625 | |||||
| 334 | D | B | D | B | A | A | B | B | Closed | FCRE2840 | 2026-04-27 13:29 | 2026-04-27 13:29 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-As per guide 1st lien Min loan amt is [Redacted] Exception is provided to proceed with loan amount under [Redacted] Approved With Conditions 0.25 to price Exception form page #78 of 167 - Due Diligence Vendor-04/27/2026 |
Waived-As per guide 1st lien Min loan amt is [Redacted] Exception is provided to proceed with loan amount under [Redacted] Approved With Conditions 0.25 to price Exception form page #78 of 167 - Due Diligence Vendor-04/27/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 8902414 | |||||
| 335 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 06:07 | 2026-04-30 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8915940 | ||||||
| 335 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-04-28 07:15 | 2026-04-28 07:15 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception for non permanent resident cash out transaction approved with conditions of [Redacted] Max & 0.25 to price Waiver on page 576 of 697 - Due Diligence Vendor-04/28/2026 |
Waived-Exception for non permanent resident cash out transaction approved with conditions of [Redacted] Max & 0.25 to price Waiver on page 576 of 697 - Due Diligence Vendor-04/28/2026 |
Revolving debt is under 30%, 5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8917088 | |||||
| 336 | D | B | D | A | A | A | B | B | Closed | FCRE1182 | 2026-04-28 14:52 | 2026-05-01 13:25 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-now present - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. the Approval Letter and 1008 are uploaded now, thank you - Buyer-05/01/2026 Open-1008 and the final loan approval missing - Due Diligence Vendor-04/28/2026 |
Resolved-now present - Due Diligence Vendor-05/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8931539 | |||||
| 336 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-04-28 14:14 | 2026-04-30 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-04/30/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8930460 | ||||||
| 336 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-04-28 14:51 | 2026-04-28 14:51 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Listing removed in [Redacted] (recently listed for sale and not allowed in program) Pr. 29 - Due Diligence Vendor-04/28/2026 |
Waived-Listing removed in [Redacted] (recently listed for sale and not allowed in program) Pr. 29 - Due Diligence Vendor-04/28/2026 |
Revolving debt is under 30%, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Reserves >6 months Credit Decision Status & Date of Decision Approved With Conditions 03/13/2026 65 CLTV, 0.25 to price |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 8931535 | |||||
| 337 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-04-28 14:37 | 2026-05-01 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 8931104 | ||||||
| 337 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-04-28 15:59 | 2026-04-28 17:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide for multi family min Loan Amount is [Redacted] *Exception is provided to proceed the loan with loan amount Lessthan $[Redacted] *Exception is on pg 88 of 107 *Approved With Conditions 0.25 to price, [Redacted] max - Due Diligence Vendor-04/28/2026 |
Waived-*As per guide for multi family min Loan Amount is [Redacted] *Exception is provided to proceed the loan with loan amount Lessthan $[Redacted] *Exception is on pg 88 of 107 *Approved With Conditions 0.25 to price, [Redacted] max - Due Diligence Vendor-04/28/2026 |
*No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 8933059 | |||||
| 338 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-04-29 08:50 | 2026-05-01 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 Ready for Review-N/A .file was recently closed,recorded mortgage is not available yet . It wil be provided upon the receipt. - Buyer-05/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-04/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 8948124 | ||||||
| 339 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-05-05 09:11 | 2026-05-29 11:59 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-missing bank statement for reserve deposit. lender has now waived. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Please review uploaded exception - Buyer-05/29/2026 Counter-waiver will be required as this is not acceptable to change programs after approval without a waiver - Due Diligence Vendor-05/27/2026 Ready for Review-Per comment in our system, the program was updated to Super Prime 2Y full doc on the lock confirmation, the loan was updated back to Power Jumbo. Please see updated lock and tape showing product as Power Jumbo that were uploaded. - Buyer-05/11/2026 Counter-this closed under the Super Prime program. not DU please provide waiver or assets - Due Diligence Vendor-05/08/2026 Ready for Review-Please see the email from the UW that was uploaded. Per the UW, Regarding required reserves: Per the program guidelines, this $[Redacted] O/O Cash-Out refinance loan does not require reserves. - Buyer-05/07/2026 Open-Asset Qualification Does Not Meet Guideline Requirements If cash out proceeds are used for reserves most recent 1 month bank statement must be provided prior to closing where funds will be disbursed. which is missing in file. - Due Diligence Vendor-05/05/2026 |
Waived-missing bank statement for reserve deposit. lender has now waived. - Due Diligence Vendor-05/29/2026 |
5 years on current job, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9044151 | ||||
| 339 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-01 15:27 | 2026-05-05 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9009910 | ||||||
| 340 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 10:10 | 2026-05-05 10:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9025604 | ||||||
| 341 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-01 13:49 | 2026-05-05 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9006398 | ||||||
| 342 | D | A | D | A | C | A | A | A | Closed | 50001262-Fees-Limited | 2026-05-04 12:09 | 2026-05-07 08:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided and clears finding - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. - Buyer-05/06/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($[Redacted]). The Last CD shows a total lender credit amount of ($[Redacted]). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted]. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-COC provided and clears finding - Due Diligence Vendor-05/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9028452 | |||||
| 342 | D | A | D | A | C | A | A | A | Closed | 50001261-Fees-Limited | 2026-05-04 12:09 | 2026-05-07 08:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-COC provided and clears finding - Due Diligence Vendor-05/07/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($[Redacted]). The actual total fee amount shows a credit amount of ($[Redacted]). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased from $[Redacted] on CD [Redacted] to $[Redacted] on Final CD [Redacted]. - Due Diligence Vendor-05/04/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-COC provided and clears finding - Due Diligence Vendor-05/07/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9028453 | ||||||
| 342 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-04 08:31 | 2026-05-05 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9022737 | ||||||
| 343 | D | A | D | A | A | A | C | A | Closed | FVAL5524 | 2026-05-01 14:44 | 2026-05-08 12:41 | Resolved | 1 - Information | C | A | Property | Property | Ineligible Property | Resolved-resolved with lender comments. Please be informed that for loans submitted on or after 1/1/2024 collateral underwriters are allowed to waive new construction requirements outlined in the NQM guidelines and proceed with no exception provided that a collateral underwriter deems the property value to be highly reliable. The decision falls under collateral underwriter discretion and requires collateral underwriting team lead approval. It is in effect until further notice. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-05/08/2026 Counter-appraisal page 1 says oversupply and per guidelines not allowed for new construction - Due Diligence Vendor-05/06/2026 Ready for Review-Good day, could you please clarify what do you imply "over supply" - Buyer-05/06/2026 Open-over supply on a new construction PUD - Due Diligence Vendor-05/01/2026 |
Resolved-resolved with lender comments. Please be informed that for loans submitted on or after 1/1/2024 collateral underwriters are allowed to waive new construction requirements outlined in the NQM guidelines and proceed with no exception provided that a collateral underwriter deems the property value to be highly reliable. The decision falls under collateral underwriter discretion and requires collateral underwriting team lead approval. It is in effect until further notice. - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9008796 | |||||
| 343 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-05-01 14:14 | 2026-05-05 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9008279 | ||||||
| 344 | D | A | D | A | C | A | A | A | Closed | FCOM5814 | 2026-05-04 09:36 | 2026-05-08 13:01 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-PCCD now present with missing clerical info now present - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please revie wuploaded PCCD and LOX - Buyer-05/08/2026 Open-Final CD 04/27/2026 Page 5, Contact Information, Lenders Contact NMLS ID is missing. - Due Diligence Vendor-05/04/2026 |
Resolved-PCCD now present with missing clerical info now present - Due Diligence Vendor-05/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9024208 | |||||
| 344 | D | A | D | A | C | A | A | A | Closed | FCRE1168 | 2026-05-04 08:40 | 2026-05-07 09:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-cost estimator now present - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please review uploaded RCE - Buyer-05/06/2026 Open-need cost estimator or replacement cost guaranteed - Due Diligence Vendor-05/04/2026 |
Resolved-cost estimator now present - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9023005 | |||||
| 344 | D | A | D | A | C | A | A | A | Closed | FCRE2109 | 2026-05-04 08:40 | 2026-05-07 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-now present - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Income WS uploaded - Buyer-05/06/2026 Open- - Due Diligence Vendor-05/04/2026 |
Resolved-now present - Due Diligence Vendor-05/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9023007 | |||||
| 344 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-04 07:40 | 2026-05-06 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9021607 | ||||||
| 345 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 10:58 | 2026-05-05 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-05/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9026743 | ||||||
| 346 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-05 10:43 | 2026-05-14 08:12 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender DTI is still within 3% - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. - Buyer-05/13/2026 Counter-TPR DTI matches the 1008 and the 1008 does not calculate. 1008 debts are $[Redacted] subject PITIA + $[Redacted] all other debt = $[Redacted]= 41% please update - Due Diligence Vendor-05/08/2026 Ready for Review-negative rental income of [Redacted] is missing? All Monthly Payment [Redacted]/ Income [Redacted] - Buyer-05/07/2026 Open-1. 1008 FICO is 799 whereas File FICO should be 809 as per Primary wage Earner. 2.DTI is off by 2.37% lender DTI is 43.70% -Unable to identify how lender considered DTI of 43.70% as Subject PITIA and Other EXP amount is matching -DTI should be PITA +PHE +Other EXP/ Income = $[Redacted] = 41.32% - Due Diligence Vendor-05/05/2026 |
Resolved-lender DTI is still within 3% - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9047013 | |||||
| 346 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-05 08:28 | 2026-05-06 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9043064 | ||||||
| 347 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-04 07:56 | 2026-05-04 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/04/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9021920 | ||||||
| 348 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-05 12:08 | 2026-05-06 15:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9049011 | ||||||
| 348 | D | B | D | B | A | A | B | B | Closed | FVAL5472 | 2026-05-05 13:51 | 2026-05-06 00:31 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Minimum square feet for gross living area 500, whereas square feet for one of the units 480 square feet as per appraisal report page #176_[Redacted] Credit Package 1.pdf. However, document exception is page #5_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/05/2026 | Waived-Minimum square feet for gross living area 500, whereas square feet for one of the units 480 square feet as per appraisal report page #176_[Redacted] Credit Package 1.pdf. However, document exception is page #5_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/05/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #66_[Redacted] Credit Package 2.pdf 3. 5+ years credit history - Oldest tradeline date is 08/01/2005 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #66_[Redacted] Credit Package 2.pdf 5. Credit score >40 points than minimum required - Audited FICO 761 and minimum Guideline FICO 680 with difference 81 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9051458 | |||||
| 348 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-05-05 13:49 | 2026-05-05 13:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount $[Redacted] is less than minimum Guideline loan amount [Redacted] which is not allowed per Guidelines. However, Exception is in Page #5_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/05/2026 | Waived-Audited loan amount $[Redacted] is less than minimum Guideline loan amount [Redacted] which is not allowed per Guidelines. However, Exception is in Page #5_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-05/05/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #66_[Redacted] Credit Package 2.pdf 3. 5+ years credit history - Oldest tradeline date is 08/01/2005 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #66_[Redacted] Credit Package 2.pdf 5. Credit score >40 points than minimum required - Audited FICO 761 and minimum Guideline FICO 680 with difference 81 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9051420 | |||||
| 349 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-05 23:20 | 2026-05-07 11:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9056738 | ||||||
| 349 | D | B | D | B | A | A | B | B | Closed | FCRE1491 | 2026-05-06 03:23 | 2026-05-06 03:23 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Gift funds not allowed for mixed use and multi family per Guidelines 6.8.2. Subject property is Mixed use with Gift funds $[Redacted] in file. However, Exception in Page #27- [Redacted] Credit package 2.pdf. - Due Diligence Vendor-05/06/2026 | Waived-Asset Qualification Does Not Meet Guideline Requirements Gift funds not allowed for mixed use and multi family per Guidelines 6.8.2. Subject property is Mixed use with Gift funds $[Redacted] in file. However, Exception in Page #27- [Redacted] Credit package 2.pdf. - Due Diligence Vendor-05/06/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #152- [Redacted] Credit package 2.pdf, 3. No Consumer late payments in the last 24 months- No Consumer late payments in past 24 months, per CBR Page #152- [Redacted] Credit package 2.pdf. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9058305 | |||||
| 349 | D | B | D | B | A | A | B | B | Closed | FVAL5472 | 2026-05-06 03:17 | 2026-05-06 03:17 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-2 Units Gross living area is less than [Redacted] sq ft, Guideline minimum Gross living area is [Redacted] sq ft, however Exception Form is in file page no #28- [Redacted] Credit package 2.pdf - Due Diligence Vendor-05/06/2026 | Waived-2 Units Gross living area is less than [Redacted] sq ft, Guideline minimum Gross living area is [Redacted] sq ft, however Exception Form is in file page no #28- [Redacted] Credit package 2.pdf - Due Diligence Vendor-05/06/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #152- [Redacted] Credit package 2.pdf, 3. No Consumer late payments in the last 24 months- No Consumer late payments in past 24 months, per CBR Page #152- [Redacted] Credit package 2.pdf. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9058269 | |||||
| 350 | D | A | D | A | D | A | D | A | Closed | FCOM9970 | 2026-05-06 11:18 | 2026-05-12 09:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Initial Closing Disclosure provided is acceptable. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Final CD uploaded - Buyer-05/11/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Provide the missing initial Closing Disclosure needed to complete Compliance testing. - Due Diligence Vendor-05/06/2026 |
Resolved-Initial Closing Disclosure provided is acceptable. - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9067501 | |||||
| 350 | D | A | D | A | D | A | D | A | Closed | 50001262-Fees-Limited | 2026-05-12 09:16 | 2026-05-12 09:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-05/12/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($[Redacted]). The Last CD shows a total lender credit amount of ($[Redacted]). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/12/2026 |
Resolved-Resolved - Due Diligence Vendor-05/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9152138 | ||||||
| 350 | D | A | D | A | D | A | D | A | Closed | 50001261-Fees-Limited | 2026-05-12 09:16 | 2026-05-12 09:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Resolved - Due Diligence Vendor-05/12/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($[Redacted]). The actual total fee amount shows a credit amount of ($[Redacted]). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/12/2026 |
Resolved-Resolved - Due Diligence Vendor-05/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9152139 | ||||||
| 350 | D | A | D | A | D | A | D | A | Closed | FVAL4940 | 2026-05-06 09:35 | 2026-05-12 09:10 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-now present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Questionnaire uploaded - Buyer-05/11/2026 Open- - Due Diligence Vendor-05/06/2026 |
Resolved-now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9064774 | |||||
| 350 | D | A | D | A | D | A | D | A | Closed | FCOM5814 | 2026-05-06 11:17 | 2026-05-12 09:09 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-missing disclosure now present - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. ICD uploaded - Buyer-05/11/2026 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-05/06/2026 |
Resolved-missing disclosure now present - Due Diligence Vendor-05/12/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9067475 | |||||
| 350 | D | A | D | A | D | A | D | A | Closed | FCOM4028 | 2026-05-06 08:11 | 2026-05-08 08:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9062763 | ||||||
| 351 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 09:05 | 2026-05-08 07:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9064081 | ||||||
| 352 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-05-06 09:48 | 2026-05-11 07:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-05/06/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9065328 | |||||
| 352 | D | A | D | A | D | A | A | A | Closed | FCOM5814 | 2026-05-06 09:47 | 2026-05-11 07:35 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-initial CD present - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. - Buyer-05/08/2026 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-05/06/2026 |
Resolved-initial CD present - Due Diligence Vendor-05/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9065308 | |||||
| 352 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-06 07:00 | 2026-05-08 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9061644 | ||||||
| 353 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-06 10:02 | 2026-05-08 12:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9065684 | ||||||
| 353 | D | B | D | B | A | A | A | A | Closed | FCRE8450 | 2026-05-06 12:25 | 2026-05-06 12:25 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Rental Income not supported | Waived-unable to provide 2 cancelled checks for rental income used required by guides .Pg 20 he borrower is getting paid on the other REO by cash. We do have an executed lease - Due Diligence Vendor-05/06/2026 |
Waived-unable to provide 2 cancelled checks for rental income used required by guides .Pg 20 he borrower is getting paid on the other REO by cash. We do have an executed lease - Due Diligence Vendor-05/06/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum Credit Decision Status & Date of Decision Approved With Conditions 04/10/2026 30 CLTV, 0.25 to price |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9068878 | |||||
| 354 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-06 07:57 | 2026-05-08 09:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9062481 | ||||||
| 355 | D | B | D | A | C | A | B | B | Closed | FCOM1211 | 2026-05-07 09:40 | 2026-05-21 13:02 | Resolved | 1 - Information | C | A | Compliance | Closing | Note does Not Indicate Interest Only Terms but Loan Approved as an Interest Only Program | Resolved-corrected Note now present - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Uploaded corrected note documents. - Buyer-05/21/2026 Open-standard note but payment is calculated at an interest only for 30 yrs and missing any language about when IO payment ends and fully amortizing begins - Due Diligence Vendor-05/07/2026 |
Resolved-corrected Note now present - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9086756 | |||||
| 355 | D | B | D | A | C | A | B | B | Closed | FCRE1440 | 2026-05-07 09:17 | 2026-05-14 10:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-lender addressed the late and validated wasnt 30 days - Due Diligence Vendor-05/14/2026 Ready for Review-Per UW "There is 1 late on the VOM, however we have a payment history from the loan as well as evidence of the bank statement. The VOM shows 1 late, but I don't see that there were ever any 30 day lates on this account." Please see attached payment history and evidence of bank statement. - Buyer-05/14/2026 Open-Housing History Does Not Meet Guideline Requirements VOM Page 242 indicates 1 late payment in last 12 months - does not clarify how late - cannot determine if it was 30 days or more. - Due Diligence Vendor-05/07/2026 |
Resolved-lender addressed the late and validated wasnt 30 days - Due Diligence Vendor-05/14/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9085467 | |||||
| 355 | D | B | D | A | C | A | B | B | Closed | FCOM4028 | 2026-05-07 08:50 | 2026-05-07 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9084993 | ||||||
| 355 | D | B | D | A | C | A | B | B | Closed | FVAL5524 | 2026-05-07 09:46 | 2026-05-07 09:46 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Waived-As per guide, Guideline Maximum Multi Family is 8 units. *Exception form is provided to allow subject with 9 units. *Approved Conditions: 0.25 to price. *Exception form is on page # 35 of 137 Due Diligence Vendor-05/07/2026 - Due Diligence Vendor-05/07/2026 |
Waived-Waived-As per guide, Guideline Maximum Multi Family is 8 units. *Exception form is provided to allow subject with 9 units. *Approved Conditions: 0.25 to price. *Exception form is on page # 35 of 137 Due Diligence Vendor-05/07/2026 - Due Diligence Vendor-05/07/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required. | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9086877 | |||||
| 356 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-05-08 13:42 | 2026-05-14 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. hello Credit Report uploaded, please see the attached doc thank you! - Buyer-05/13/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-05/08/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/14/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9112942 | |||||
| 356 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 13:20 | 2026-05-13 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/13/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9112580 | ||||||
| 357 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-08 12:14 | 2026-05-12 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9111422 | ||||||
| 358 | D | A | D | A | D | A | A | A | Closed | FCOM5814 | 2026-05-11 08:42 | 2026-05-22 06:06 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-proof sent electronically now present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. - Seller-05/21/2026 Counter-this does not show when electronically sent. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. - Buyer-05/20/2026 Counter-Provide evidence initial CD 04/24/2026 was electronically sent. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Counter-this is final CD - we need prelim CD - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/12/2026 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/21/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 |
Resolved-proof sent electronically now present - Due Diligence Vendor-05/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9128706 | ||||
| 358 | D | A | D | A | D | A | A | A | Closed | FCOM2630 | 2026-05-11 07:49 | 2026-05-18 13:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-now present - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. - Seller-05/18/2026 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/18/2026 |
Resolved-now present - Due Diligence Vendor-05/18/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9127273 | ||||
| 358 | D | A | D | A | D | A | A | A | Closed | FCRE1145 | 2026-05-11 08:07 | 2026-05-13 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-Title Document is missing Missing schedules A, B B2, lien, BK searches etc. Only Tax cert present - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/13/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9127749 | ||||
| 358 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-11 07:40 | 2026-05-11 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9127121 | ||||||
| 359 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 08:14 | 2026-05-11 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9127856 | ||||||
| 360 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-11 22:41 | 2026-05-14 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9144694 | ||||||
| 361 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-12 08:12 | 2026-05-14 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/14/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9150544 | ||||||
| 361 | D | B | D | B | A | A | A | A | Closed | FCRE1247 | 2026-05-12 09:45 | 2026-05-14 11:45 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-As Per guide No interested party contributions are allowed if purchase price is greater than the list price by either 3% or $5,001 Exception form is provide to processed with loan PP exceeds list with seller concession Exception form is on 206 of 237 Approved as is - Due Diligence Vendor-05/12/2026 |
Waived-As Per guide No interested party contributions are allowed if purchase price is greater than the list price by either 3% or $5,001 Exception form is provide to processed with loan PP exceeds list with seller concession Exception form is on 206 of 237 Approved as is - Due Diligence Vendor-05/12/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9153748 | |||||
| 362 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 07:32 | 2026-05-18 09:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9197868 | ||||||
| 363 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 10:10 | 2026-05-18 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9202117 | ||||||
| 364 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-13 09:41 | 2026-05-18 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9176366 | ||||||
| 365 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-15 05:46 | 2026-05-18 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9216891 | ||||||
| 365 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-05-15 07:28 | 2026-05-15 10:44 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-First lien not reflecting in Credit Report(page# 168 of Credit package2.pdf) which is not allowed per Guidelines of second lien. Per now, Verified related entries from Mortgage Agreement and statement(492 of Credit package1.pdf). However, Exception is in Page #38 of Credit package2.pdf - Due Diligence Vendor-05/15/2026 | Waived-First lien not reflecting in Credit Report(page# 168 of Credit package2.pdf) which is not allowed per Guidelines of second lien. Per now, Verified related entries from Mortgage Agreement and statement(492 of Credit package1.pdf). However, Exception is in Page #38 of Credit package2.pdf - Due Diligence Vendor-05/15/2026 |
Revolving debt is under 30%-Revolving debt of $20 is within 30% of Total debts $24,908.51 No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #168 of Credit package2.pdf 5+ years credit history-Oldest tradeline date in CBR page #168 of Credit Package.pdf is 04/09/2008 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #168 of Credit package2.pdf Credit score >40 points than minimum required-Audited FICO 803 and Guideline maximum FICO 680 with difference 123 which is greater than 40 Experienced investor- Borrower already owns REO Investment properties in New York per Final 1003 in Page #190 of Credit package1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9218114 | |||||
| 366 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-14 23:13 | 2026-05-18 12:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9212132 | ||||||
| 366 | D | B | D | B | A | A | A | A | Closed | FCRE4595 | 2026-05-15 01:34 | 2026-05-15 03:52 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount is less than minimum allowed per program guidelines | Waived-Loan amount $[Redacted] is less than minimum loan amount $[Redacted] (second lien file) and it is not allowed per guidelines, However, Exception is in Page #38 of Credit package2.pdf - Due Diligence Vendor-05/15/2026 | Waived-Loan amount $[Redacted] is less than minimum loan amount $[Redacted] (second lien file) and it is not allowed per guidelines, However, Exception is in Page #38 of Credit package2.pdf - Due Diligence Vendor-05/15/2026 |
Revolving debt is under 30%-Revolving debt of $20 is within 30% of Total debts $24,998.92 No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #179 of Credit package2.pdf 5+ years credit history-Oldest tradeline date in CBR page # 179 of Credit Package.pdf is 04/09/2008 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #179 of Credit package2.pdf Credit score >40 points than minimum required-Audited FICO 803 and Guideline maximum FICO 680 with difference 123 which is greater than 40 Experienced invester- Borrower already owns REO Investment property in New York per Final 1003 in Page #232 of Credit package1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9212934 | |||||
| 366 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-05-15 01:43 | 2026-05-15 03:43 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-First lien not reflecting in Credit Report(page# 179 of Credit package2.pdf) which is not allowed per Guidelines of second lien. Per now, Verified related entries from Mortgage Agreement and statement(493 of Credit package1.pdf). However, Exception is in Page #37 of Credit package2.pdf - Due Diligence Vendor-05/15/2026 | Waived-First lien not reflecting in Credit Report(page# 179 of Credit package2.pdf) which is not allowed per Guidelines of second lien. Per now, Verified related entries from Mortgage Agreement and statement(493 of Credit package1.pdf). However, Exception is in Page #37 of Credit package2.pdf - Due Diligence Vendor-05/15/2026 |
Revolving debt is under 30%-Revolving debt of $20 is within 30% of Total debts $24,998.92 No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #179 of Credit package2.pdf 5+ years credit history-Oldest tradeline date in CBR page # 179 of Credit Package.pdf is 04/09/2008 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #179 of Credit package2.pdf Credit score >40 points than minimum required-Audited FICO 803 and Guideline maximum FICO 680 with difference 123 which is greater than 40 Experienced invester- Borrower already owns REO Investment property in New York per Final 1003 in Page #232 of Credit package1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9212964 | |||||
| 367 | D | A | D | A | D | A | A | A | Closed | FCOM6472 | 2026-05-22 09:17 | 2026-05-28 08:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Note data | Resolved-resolved with lender comments. This file does not contain a default rate addendum - Due Diligence Vendor-05/28/2026 Ready for Review-It is not applicable to this file. - Seller-05/27/2026 Counter-this is not the Default rate rider that is standard to your notes. the rider contains language reflecting 18% rate if in default. Missing this. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please review uploaded Note.Please refer to section 7 of the Note - Seller-05/26/2026 Open-missing default interest rate rider to Note - Due Diligence Vendor-05/22/2026 |
Ready for Review-It is not applicable to this file. - Seller-05/27/2026 Ready for Review-Document Uploaded. Please review uploaded Note.Please refer to section 7 of the Note - Seller-05/26/2026 |
Resolved-resolved with lender comments. This file does not contain a default rate addendum - Due Diligence Vendor-05/28/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9348476 | ||||
| 367 | D | A | D | A | D | A | A | A | Closed | FCRE9512 | 2026-05-14 11:16 | 2026-05-21 13:19 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-lender updated lock to reflect 1 yr - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Please review uploaded revised lock . - Buyer-05/21/2026 Counter-there are no 2025 tax returns present. We understand the transcript is not available yet but we need the actual 1040s - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Please revie wuploade dincome docs coverifn 2 years 1040s and W-2's transcripts. - Buyer-05/19/2026 Open-Lender 2yr Full - Actual is 1 Yr Full as there are only 1 year (2024) 1040's, xscripts and 1120S's in file. - Due Diligence Vendor-05/14/2026 |
Resolved-lender updated lock to reflect 1 yr - Due Diligence Vendor-05/21/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9203524 | |||||
| 367 | D | A | D | A | D | A | A | A | Closed | FCRE9991 | 2026-05-14 11:33 | 2026-05-20 14:11 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-TPR finds lender calculation to be within tolerance. Lender accepts their explanation - Due Diligence Vendor-05/20/2026 Ready for Review-The DTI is liabilities from credit report $[Redacted] +primary $ [Redacted]+negative rent from subject property $[Redacted]/income $[Redacted]=$[Redacted]% - Buyer-05/19/2026 Open-1008 DTI is 35.90. Using 1008 numbers, DTI is 37.62. Review DTI is 37.60 ($10) debt difference in consumer calc. Total debt obligation per 1008 is $15,485.99. $[Redacted] Primary + $[Redacted] (subject neg rent = $[Redacted] - 75% of $[Redacted] gross or $[Redacted] net) + $[Redacted] debt = $[Redacted] / $[Redacted] Total Income = 37.60% - Due Diligence Vendor-05/14/2026 |
Resolved-TPR finds lender calculation to be within tolerance. Lender accepts their explanation - Due Diligence Vendor-05/20/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9203874 | ||||||
| 367 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-14 10:24 | 2026-05-19 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9202380 | ||||||
| 368 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-14 11:18 | 2026-05-19 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9203555 | ||||||
| 369 | D | A | D | A | A | A | C | A | Closed | FVAL2477 | 2026-05-18 07:31 | 2026-06-01 11:12 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received updated and corrected appraisal - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/01/2026 Open-incorrect list price on appraisal. Appraiser says was listed for $[Redacted] and sold for $[Redacted] need addressed - Due Diligence Vendor-05/18/2026 |
Resolved-Received updated and corrected appraisal - Due Diligence Vendor-06/01/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9248487 | |||||
| 369 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-05-18 06:47 | 2026-05-19 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9247753 | ||||||
| 370 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-18 10:43 | 2026-05-20 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/20/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9254161 | ||||||
| 371 | D | B | D | B | A | A | A | A | Closed | FCRE2515 | 2026-05-18 13:45 | 2026-06-25 08:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Received 1 alternative credit HOA statement,but need additional alternative credit Does not meet the standard tradelines. Lender waived. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please review uploaded HOA annual statement used as additional tradeline and exception - Buyer-06/25/2026 Open- - borrower with only 2 FICO scores - Credit reflects one open tradeline for 12 months. Missing alternative credit to meet minimum tradeline requirement. - Due Diligence Vendor-05/18/2026 |
Waived-Received 1 alternative credit HOA statement,but need additional alternative credit Does not meet the standard tradelines. Lender waived. - Due Diligence Vendor-06/25/2026 |
5 years on current job, No credit events past 40 months, No consumer late payments in the last 24 months | [Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9260026 | ||||
| 371 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-18 12:16 | 2026-05-21 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9256839 | ||||||
| 372 | D | A | D | A | A | A | A | A | Closed | FCRE6969 | 2026-05-19 12:15 | 2026-05-26 12:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-gift wire now present - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see attached gift wire confirmation from title. - Buyer-05/26/2026 Open- - missing transfer of gift funds to title. - Due Diligence Vendor-05/19/2026 |
Resolved-gift wire now present - Due Diligence Vendor-05/26/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9281494 | |||||
| 372 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-19 08:42 | 2026-05-21 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9274747 | ||||||
| 373 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 08:39 | 2026-05-26 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9323720 | ||||||
| 374 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-20 08:30 | 2026-05-26 07:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9299191 | ||||||
| 375 | D | A | D | A | C | A | A | A | Closed | FCRE2109 | 2026-05-20 13:18 | 2026-05-28 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-resolved with lender comments. They accept the income calc by correspondent lender as is most conservative. - Due Diligence Vendor-05/28/2026 Ready for Review-This is a Super Prime loan. Underwriter confirms the income calculation with a more conservative approach. - Buyer-05/27/2026 Counter-approval page 294 shows it was submitted to Corr as a Super Prime. Need waiver as this was approved under Super Prime. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Per the guidelines for the [Redacted] Power Jumbo programs, we are to follow Fannie or Freddie guidelines when calculating income. That is what I've done. Per Fannie Mae, the net documented assets (IRA balance minus 10% early distribution penalty, divided by 360 months). If there is a different requirement, I have no access to that information, so I stand behind my calculations. Transaction history uploaded to show balance used on Income Calc doc as calc provided is not the same balance. Income Calc doc uploaded as well. Top right of transaction history shows the as of date. - Buyer-05/22/2026 Open-- UW calculated the Asset income incorrectly but is much more conservative than the actual calculation. $[Redacted] was used for qualifying (see page 24). The actual asset utilization income calculation is $[Redacted] lender to confirm they accept Originators calculation - Due Diligence Vendor-05/20/2026 |
Resolved-resolved with lender comments. They accept the income calc by correspondent lender as is most conservative. - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9309508 | |||||
| 375 | D | A | D | A | C | A | A | A | Closed | FCOM5814 | 2026-05-20 14:13 | 2026-05-22 13:52 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-revised CD with vendor names now present - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. PCCD uploaded - Buyer-05/22/2026 Open-Final CD 05/18/2026 Loan Costs, Section B, Lenders Title Insurance is missing the payee name needed for tolerance testing. - Due Diligence Vendor-05/20/2026 |
Resolved-revised CD with vendor names now present - Due Diligence Vendor-05/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9310803 | |||||
| 375 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-05-20 12:02 | 2026-05-21 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/21/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9307586 | ||||||
| 376 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-05-21 12:57 | 2026-05-29 07:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Paystub now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded ,VVOE is within 10 business days of closing - Buyer-05/28/2026 Open-Borrower 1 3rd Party VOE for [Redacted] is missing - Due Diligence Vendor-05/27/2026 |
Resolved-Paystub now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9331393 | |||||
| 376 | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-05-21 12:57 | 2026-05-29 07:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Paystub prior to close is now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Uploaded ,VVOE is within 10 business days of closing - Buyer-05/28/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE for [Redacted] is missing - Due Diligence Vendor-05/27/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/21/2026 Open- - Due Diligence Vendor-05/21/2026 |
Resolved-Paystub prior to close is now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9331396 | |||||
| 376 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 12:14 | 2026-05-27 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9330431 | ||||||
| 377 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-05-22 08:28 | 2026-05-29 08:07 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. its 33.835 - Buyer-05/28/2026 Open-1008/Tape DTI is 23.27%. Should be 33.83%. Lender omitted $[Redacted] P&I for subject from calculation. $[Redacted] (PITI) + $[Redacted] (Consumer Debt) + $[Redacted] (Neg Rent) = [Redacted] Qualifying Income = 33.83%. - Due Diligence Vendor-05/22/2026 |
Resolved-DTI updated - Due Diligence Vendor-05/29/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9347253 | |||||
| 377 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 07:42 | 2026-05-27 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9346080 | ||||||
| 378 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 10:51 | 2026-06-29 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9351698 | ||||||
| 379 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 07:31 | 2026-05-27 17:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9322155 | ||||||
| 380 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-05-21 14:40 | 2026-05-28 13:45 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-loan approval now present - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Approval and 1008 uploaded - Buyer-05/28/2026 Open-Underwriting summary and approval document are missing in the file. - Due Diligence Vendor-05/21/2026 |
Resolved-loan approval now present - Due Diligence Vendor-05/28/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9333575 | |||||
| 380 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-21 12:34 | 2026-05-27 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/21/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9330902 | ||||||
| 381 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-05-22 10:46 | 2026-05-29 12:30 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of [Redacted] is prior to or equal to the Note Date of [Redacted] Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/29/2026 Resolved-dates corrected now present - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. - Buyer-05/29/2026 Open-Hazard Insurance Effective Date of [Redacted] is after the Note Date of [Redacted] no other policy in file - - Due Diligence Vendor-05/22/2026 |
Resolved-Hazard Insurance Effective Date of [Redacted] is prior to or equal to the Note Date of [Redacted] Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/29/2026 Resolved-dates corrected now present - Due Diligence Vendor-05/29/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9351415 | |||||
| 381 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 10:15 | 2026-05-27 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9350670 | ||||||
| 382 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-05-22 10:17 | 2026-06-15 06:41 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-loan amount exceeds max and lender waived - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see the Exception. - Seller-06/12/2026 Counter-need waiver as loan approval in file was under Super Prime. This was approved under Super Prime per approval in file. (the approval in file shows SUPER PRIME) - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. The loan was underwritten as Jumbo, [Redacted] limitation is N/A. - Buyer-05/22/2026 Open-Per Guide FTHB allowed: Max LA = $[Redacted] Note: Subject Property Loan Amount $[Redacted] - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Please see the Exception. - Seller-06/12/2026 |
Waived-loan amount exceeds max and lender waived - Due Diligence Vendor-06/15/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9350713 | |||
| 382 | D | B | D | B | A | A | A | A | Closed | FCRE4678 | 2026-05-22 10:12 | 2026-06-15 06:40 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Payment shock exceeds guideline | Waived-payment shock exceeds guidelines on FTHB lender has waived - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see the Exception. - Seller-06/12/2026 Counter-need waiver as loan approval in file was under Super Prime. This was approved under Super Prime per approval in file. (the approval in file shows SUPER PRIME) - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. The loan was underwritten as Jumbo, Payment shock rule is N/A. - Seller-05/22/2026 Open-Per Guide First-time homebuyers with payment shock exceeding 250% are ineligible Note: Front Payment Shock 309.47% - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Please see the Exception. - Seller-06/12/2026 Ready for Review-Document Uploaded. The loan was underwritten as Jumbo, Payment shock rule is N/A. - Seller-05/22/2026 |
Waived-payment shock exceeds guidelines on FTHB lender has waived - Due Diligence Vendor-06/15/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9350619 | |||
| 382 | D | B | D | B | A | A | A | A | Closed | FCRE1158 | 2026-05-22 09:28 | 2026-05-27 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-policy number now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please attached. - Buyer-05/27/2026 Counter-no policy number present - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. Please see the HO3. - Seller-05/22/2026 Open-Hazard Insurance Policy Partially Provided Insurance Document Policy number is missing refer page#486 - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document Uploaded. Please see the HO3. - Seller-05/22/2026 |
Resolved-policy number now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9348852 | ||||
| 382 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-22 07:58 | 2026-05-22 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/22/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9346538 | ||||||
| 383 | D | A | D | A | A | A | A | A | Closed | FCRE6969 | 2026-05-22 14:10 | 2026-06-15 06:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-gift wire is now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Wire receipt uploaded - Buyer-06/11/2026 Open-Need Wire proof for gift amt of $[Redacted] reflecting in CD Note :- only gift letter is in file refer page no 191 of 538. - Due Diligence Vendor-05/22/2026 |
Resolved-gift wire is now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9356716 | |||||
| 383 | D | A | D | A | A | A | A | A | Closed | FCRE1165 | 2026-05-22 13:15 | 2026-06-15 06:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-policy number now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Contacted Insurance Agency and confirmed that the policy number is listed at the top [Redacted] - Buyer-06/11/2026 Open-Flood Insurance Policy Partially Provided Policy Number is missing on Flood insurance policy refer page no 2 of 84 - Due Diligence Vendor-05/22/2026 |
Resolved-policy number now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9355347 | |||||
| 383 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-22 12:11 | 2026-05-28 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9354167 | ||||||
| 384 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-26 14:36 | 2026-05-27 07:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/27/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9381899 | ||||||
| 385 | D | B | D | B | D | A | A | A | Closed | FCRE1199 | 2026-05-26 09:38 | 2026-06-15 06:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-loan amount exceeds max and lender has waived. - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Exception form uploaded - Seller-06/10/2026 Open-loan approval in file is for Super Prime and not Power Jumbo. As such the FTHB - Maximum loan amount is $[Redacted] need waiver for loan amount - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Exception form uploaded - Seller-06/10/2026 |
Waived-loan amount exceeds max and lender has waived. - Due Diligence Vendor-06/15/2026 |
5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9373663 | |||
| 385 | D | B | D | B | D | A | A | A | Closed | FCRE1501 | 2026-05-26 09:27 | 2026-06-15 06:50 | Waived | 2 - Non-Material | C | B | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Waived-short reserves, waived by lender - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Exception form uploaded - Seller-06/11/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] Loan Amount > [Redacted] = 6 months Reserves, or $[Redacted] Bwr has $[Redacted] after CTC. Bwr is short $[Redacted] or 5.11 months. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. Exception form uploaded - Seller-06/11/2026 |
Waived-short reserves, waived by lender - Due Diligence Vendor-06/15/2026 |
5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9372999 | |||
| 385 | D | B | D | B | D | A | A | A | Closed | 50001028-Fees-Limited | 2026-05-27 11:25 | 2026-06-03 11:37 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Loan Estimate [Redacted] is acceptable. No further documentation is needed for this issue. - Due Diligence Vendor-06/03/2026 Resolved-Resolved - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. My apologies for the oversight. Can you please double check the change date for the appraisal fee? I am showing the fee increased on the RLE dated [Redacted] not [Redacted]CD. Just want to make sure I request the correct date. - Buyer-06/02/2026 Counter-Change of Circumstance provided is dated [Redacted]. That should have been provided to the borrower on the change date [Redacted]. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached COC for the appraisal fee increase - Buyer-06/02/2026 Open- - Due Diligence Vendor-05/27/2026 Open-Appraisal Fee was increased from $[Redacted] on LE [Redacted] to $[Redacted] in CD[Redacted] without a Change of Circumstance. Lender Credit on Final CD for $[Redacted] is only enough to cover the increase in Recording Deed/Mortgage Fee. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($[Redacted]) were applied to the total fee variance of ($[Redacted]) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Resolved-Loan Estimate 05/26/2026 is acceptable. No further documentation is needed for this issue. - Due Diligence Vendor-06/03/2026 Resolved-Resolved - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9402905 | |||||
| 385 | D | B | D | B | D | A | A | A | Closed | 50001026-Fees-Limited | 2026-05-27 11:25 | 2026-06-03 11:33 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001026) | Resolved-This is acceptable. - Due Diligence Vendor-06/03/2026 Resolved-Resolved - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Apologies for the oversight. Could you please confirm the change date as the RLE dated [Redacted] reflected the increase for the Appraisal fee and was dated [Redacted] - Seller-06/02/2026 Counter-Change of Circumstance provided is dated 06/01/2026. That should have been provided to the borrower on the change date [Redacted]. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached COC for the appraisal fee increase - Buyer-06/02/2026 Open- - Due Diligence Vendor-05/27/2026 Open-Appraisal Fee was increased from $[Redacted] on LE [Redacted] to $[Redacted] in CD [Redacted] without a Change of Circumstance. Lender Credit on Final CD for $[Redacted] is only enough to cover the increase in Recording Deed/Mortgage Fee. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($[Redacted]) were applied to the total fee variance of ($[Redacted]) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document Uploaded. Apologies for the oversight. Could you please confirm the change date as the RLE dated 05/08/2026 reflected the increase for the Appraisal fee and was dated 5/08/2026. - Seller-06/02/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/03/2026 Resolved-Resolved - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9402904 | ||||
| 385 | D | B | D | B | D | A | A | A | Closed | 123ABH | 2026-05-26 08:59 | 2026-06-01 10:17 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-proof borrower received toolkit now present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Lender stated they do not have the copy of the toolkit, but the acknowledgement from the borrower they received the booklets. Please see upload and advise. - Buyer-05/29/2026 Open-Homeowner Toolkit is missing - Due Diligence Vendor-05/26/2026 |
Resolved-proof borrower received toolkit now present - Due Diligence Vendor-06/01/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9371932 | |||||
| 385 | D | B | D | B | D | A | A | A | Closed | FCOM9970 | 2026-05-26 10:02 | 2026-05-27 11:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Please see attached Initial CD and rate lock. - Buyer-05/26/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Missing initial Closing Disclosure and Rate Lock. - Due Diligence Vendor-05/26/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9374344 | |||||
| 385 | D | B | D | B | D | A | A | A | Closed | FCOM4227 | 2026-05-26 10:02 | 2026-05-27 11:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 Ready for Review-Uploaded Initial CD dated [Redacted] - Seller-05/26/2026 Open-Provide the missing initial Closing Disclosure and any Change of Circumstance that may apply, - Due Diligence Vendor-05/26/2026 |
Ready for Review-Uploaded Initial CD dated 5/11 - Seller-05/26/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-05/27/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9374335 | |||||
| 385 | D | B | D | B | D | A | A | A | Closed | FCOM1477 | 2026-05-26 08:59 | 2026-05-27 10:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock now present - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Lock confirmation uploaded/ This is a primary residence - Buyer-05/26/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. - Due Diligence Vendor-05/26/2026 |
Resolved-rate lock now present - Due Diligence Vendor-05/27/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9371931 | |||||
| 385 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-05-26 08:50 | 2026-05-26 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/26/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9371628 | ||||||
| 386 | D | A | D | A | D | A | A | A | Closed | FCOM1477 | 2026-05-27 03:58 | 2026-06-03 15:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-now present - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Rate lock uploaded - Buyer-06/03/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Second Home'. - Due Diligence Vendor-05/27/2026 |
Resolved-now present - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9391067 | |||||
| 386 | D | A | D | A | D | A | A | A | Closed | FCRE4866 | 2026-05-27 06:29 | 2026-06-03 15:27 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-resolved with lender comments, lower sale price by $[Redacted] due to concession - Due Diligence Vendor-06/03/2026 Ready for Review-Please see P12 of Contract uploaded - Seller shall credit buyer $[Redacted] off the sales price at closing, etc. Value used was less the $[Redacted]. $[Redacted] - Buyer-06/03/2026 Open-Audited [Redacted] not matching with CLTV in 1008 [Redacted]% with variance 1.85. Loan amount $[Redacted] / Sales price $[Redacted] = [Redacted]%. Loan amount and sales price matching with 1008 - only CLTV mismatch. Please provide lender calculations. - Due Diligence Vendor-05/27/2026 |
Resolved-resolved with lender comments, lower sale price by $[Redacted] due to concession - Due Diligence Vendor-06/03/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9394253 | ||||||
| 386 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-27 03:17 | 2026-05-29 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9389221 | ||||||
| 387 | D | A | D | A | A | A | A | A | Closed | FCRE1176 | 2026-05-28 08:55 | 2026-06-02 10:00 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of 05-26-2026 is after the Note Date of [Redacted] - Due Diligence Vendor-06/02/2026 Resolved-corrected dates now present - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/02/2026 Open-HO-6 Insurance Policy Effective Date of [Redacted] is after the Note Date of [Redacted] ins starts after funding date of [Redacted] - Due Diligence Vendor-05/28/2026 |
Resolved-HO-6 Insurance Policy Effective Date of[Redacted] is after the Note Date of [Redacted] - Due Diligence Vendor-06/02/2026 Resolved-corrected dates now present - Due Diligence Vendor-06/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9422467 | |||||
| 387 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 07:45 | 2026-06-01 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9420795 | ||||||
| 388 | D | B | D | A | A | A | C | B | Closed | FPRO1136 | 2026-05-27 11:15 | 2026-06-17 12:30 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived-Lender waived all items in relation to the ADU as was not included in value. Lender is aware of all items and has decided to waive. Non-permitted basement apartment with a kitchen. Appraisal is "subject to" - gas line to stove to be capped, and banister to be installed from exterior doors to basement Please provide approved exception we received Appraisal with "non-permitted basement apartment with a kitchen no access from basement to the main living area" we financed same property in [Redacted] also borrower is a experienced investor with more than 4 property financed with us in since last 3 years and no mortgage late or no any credit event all payments on time. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please review uploaded condition - Buyer-06/17/2026 Counter-please update exception to include the gas cap and stair rail being waived. - Due Diligence Vendor-06/16/2026 Ready for Review-Based on the appraisal, the ADU GLA was not included in the appraiser’s value conclusion. If the issue relates only to the ADU and it is not included in the collateral value securing our loan. - Buyer-06/12/2026 Counter-we need proof safety repairs were completed. we cannot waive this banister to be installed from exterior doors to basement. Gas line to stove to be capped. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please review uploaded excpetion - Buyer-06/04/2026 Counter-we cannot accept this proof repairs were made as some of them are safety issues. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Please review our CC approval . - Buyer-06/01/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal is subject to " Removal of illegal basement apartment kitchen, banister to be installed from exterior doors to basement. Gas line to stove to be capped." and 1004d missing in the file - Due Diligence Vendor-05/27/2026 |
Waived-Lender waived all items in relation to the ADU as was not included in value. Lender is aware of all items and has decided to waive. Non-permitted basement apartment with a kitchen. Appraisal is "subject to" - gas line to stove to be capped, and banister to be installed from exterior doors to basement Please provide approved exception we received Appraisal with "non-permitted basement apartment with a kitchen no access from basement to the main living area" we financed same property in [Redacted] also borrower is a experienced investor with more than 4 property financed with us in since last 3 years and no mortgage late or no any credit event all payments on time. - Due Diligence Vendor-06/17/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9402717 | ||||
| 388 | D | B | D | A | A | A | C | B | Closed | FCOM4028 | 2026-05-27 10:14 | 2026-06-01 07:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Removal of illegal basement apartment kitchen, banister to be installed from exterior doors to basement. Gas line to stove to be capped. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved-Removal of illegal basement apartment kitchen, banister to be installed from exterior doors to basement. Gas line to stove to be capped. - Due Diligence Vendor-06/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9400582 | ||||||
| 389 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-27 10:54 | 2026-06-01 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/27/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9402186 | ||||||
| 390 | D | B | D | B | A | A | A | A | Closed | FCRE1501 | 2026-05-28 08:41 | 2026-06-08 08:38 | Waived | 2 - Non-Material | C | B | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Waived-short reserves. Lender waived - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see attached exception form for loan being short funds. Per SUW, short for reserves $[Redacted]. - Buyer-06/05/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] - Assets provided $[Redacted] - 3 months reserves required $[Redacted] + Cash to Close $[Redacted] = [Redacted]. Borrower short $[Redacted] for reserves. - Due Diligence Vendor-05/28/2026 |
Waived-short reserves. Lender waived - Due Diligence Vendor-06/08/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 9422153 | ||||
| 390 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-28 08:10 | 2026-05-28 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/28/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9421344 | ||||||
| 391 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-29 08:05 | 2026-05-29 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9450001 | ||||||
| 391 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-05-29 10:00 | 2026-05-29 10:00 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-As per guide Non-Permanent Resident doesn't allow Cashout refinance Exception is provided for to allow Non-Permanent Cash out Approved Conditions : [Redacted] MAX & 0.25 to price Exception Form page no 59 of 186 - Due Diligence Vendor-05/29/2026 |
Waived-As per guide Non-Permanent Resident doesn't allow Cashout refinance Exception is provided for to allow Non-Permanent Cash out Approved Conditions : [Redacted] MAX & 0.25 to price Exception Form page no 59 of 186 - Due Diligence Vendor-05/29/2026 |
Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required, Reserves >6 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9453671 | |||||
| 392 | D | B | D | B | D | A | A | A | Closed | 1000609-1001960 | 2026-05-28 11:14 | 2026-06-10 08:10 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-This is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. ICD uploaded - Buyer-06/09/2026 Open-The Initial Closing Disclosure Received Date of (2026-05-20) is not three business days before the consummation date of (2026-05-22). Three business days before the consummation date is (20260519). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Provide the missing initial Closing Disclosure. - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/28/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9427649 | |||||
| 392 | D | B | D | B | D | A | A | A | Closed | FCRE9512 | 2026-05-28 10:34 | 2026-06-09 13:24 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-Received updated proof of loan program is 1 year - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Lock form uploaded - Buyer-06/09/2026 Open- - Originator has this as a 2 yr full doc, but self employed borrower and only 1 year of tax returns provided. - Due Diligence Vendor-05/28/2026 |
Resolved-Received updated proof of loan program is 1 year - Due Diligence Vendor-06/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9426376 | |||||
| 392 | D | B | D | B | D | A | A | A | Closed | FCOM1477 | 2026-05-28 09:47 | 2026-06-09 13:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Rate lock - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Rate lock uploaded - Buyer-06/09/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. - Due Diligence Vendor-05/28/2026 |
Resolved-Received Rate lock - Due Diligence Vendor-06/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9425037 | |||||
| 392 | D | B | D | B | D | A | A | A | Closed | FCRE4678 | 2026-05-28 10:30 | 2026-06-09 13:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payment shock exceeds guideline | Resolved-Proof of rent provided - payment shock is within guidelines - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Previous rent uploaded - Seller-06/09/2026 Open- - FTHB - per 1003, the borrower currently rents. Missing rent amount to determine payment shock. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Previous rent uploaded - Seller-06/09/2026 |
Resolved-Proof of rent provided - payment shock is within guidelines - Due Diligence Vendor-06/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9426304 | ||||
| 392 | D | B | D | B | D | A | A | A | Closed | FCRE1199 | 2026-05-28 10:30 | 2026-06-09 13:01 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted for Loan amount being greater than guidelines - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Exception uploaded - Buyer-06/09/2026 Open- - FTHB max loan amount [Redacted]. - Due Diligence Vendor-05/28/2026 |
Waived-Exception granted for Loan amount being greater than guidelines - Due Diligence Vendor-06/09/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 month | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Investor Post-Close | No | 9426281 | ||||
| 392 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-05-28 09:40 | 2026-06-02 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9424547 | ||||||
| 393 | D | B | D | B | D | A | A | A | Closed | FCRE9991 | 2026-06-02 09:47 | 2026-06-10 07:43 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO on lender tape updated to 778 - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Buyer-06/09/2026 Open-Qualifying FICO 778 is not matching with the 1008 FICO 777. FICO score is matching when we select the Qualifying FICO Method as lowest mid score . As per the [Redacted] guidelines for joint credit we need to select Qualifying FICO Method as Primary wage earner mid score. - Due Diligence Vendor-06/02/2026 |
Resolved-FICO on lender tape updated to 778 - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9505557 | |||||
| 393 | D | B | D | B | D | A | A | A | Closed | FCRE1199 | 2026-05-29 02:43 | 2026-06-10 07:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Loan amount exceeds max for first time home buyer - lender has waived - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Exception form uploaded - Buyer-06/09/2026 Open-*As per guide, for FTHB max loan amt allowed is [Redacted] and file's loan amt is $[Redacted]- not meeting guide - Due Diligence Vendor-05/29/2026 |
Waived-Loan amount exceeds max for first time home buyer - lender has waived - Due Diligence Vendor-06/10/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9443483 | ||||
| 393 | D | B | D | B | D | A | A | A | Closed | FCOM1477 | 2026-05-28 12:46 | 2026-06-10 07:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-lock now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Lock form uploaded - Buyer-06/09/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. *Lock Confirmation is missing in file - Due Diligence Vendor-05/29/2026 |
Resolved-lock now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9430144 | |||||
| 393 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-05-28 11:53 | 2026-06-02 09:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9428668 | ||||||
| 394 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-28 09:51 | 2026-06-01 16:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9425140 | ||||||
| 395 | D | B | D | B | A | A | B | B | Closed | FCRE9991 | 2026-06-02 11:55 | 2026-06-15 07:03 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender added back other mtg and DTI now matches at 42 - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/12/2026 Open-There is nothing in the file indicating the Co borrower isn't going to live in his current primary property located at [Redacted] anymore or that the property was sold. The mortgage lien on this property is $[Redacted] monthly as shown on 1003 and Credit report. It was not included by Lender in the DTI. I included this lien causing the debts to increase by $[Redacted] and DTI to go from 31.48 to 42.74. Provide updated 1008 showing this lien in DTI. Borrower still qualifies with additional debt. - Due Diligence Vendor-06/02/2026 |
Resolved-lender added back other mtg and DTI now matches at 42 - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9510998 | |||||
| 395 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-05-28 13:11 | 2026-06-02 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9430800 | ||||||
| 395 | D | B | D | B | A | A | B | B | Closed | FPRO1149 | 2026-05-28 15:05 | 2026-05-28 15:29 | Waived | 2 - Non-Material | B | B | Property | Property | Property is Lease Hold | Waived-Property Rights are Lease Hold Waived-As per guide, Leasehold eligible per FNMA LPG considered on a case-by case basis. *Exception form is provided to allow Leasehold Condo property *Approved Conditions: [Redacted] Max *Exception Form is on page #54 of 175 - Due Diligence Vendor-05/28/2026 |
Waived-Property Rights are Lease Hold Waived-As per guide, Leasehold eligible per FNMA LPG considered on a case-by case basis. *Exception form is provided to allow Leasehold Condo property *Approved Conditions: [Redacted] Max *Exception Form is on page #54 of 175 - Due Diligence Vendor-05/28/2026 |
DTI>=10% lower than loan program, 10 years or more in same line of employment, 5+ years credit history | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9435380 | |||||
| 395 | D | B | D | B | A | A | B | B | Closed | FCRE4595 | 2026-05-28 15:28 | 2026-05-28 15:28 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan amount is less than minimum allowed per program guidelines | Waived-Waived-As per guide, Minimum Loan Amount is [Redacted] *Exception form in file to allow for < [Redacted] loan amount *Approved Conditions: [Redacted] Max *Exception form is on page #53 of 175 - Due Diligence Vendor-05/28/2026 |
Waived-Waived-As per guide, Minimum Loan Amount is [Redacted] *Exception form in file to allow for < [Redacted] loan amount *Approved Conditions: [Redacted] Max *Exception form is on page #53 of 175 - Due Diligence Vendor-05/28/2026 |
5+ years Credit history, No consumer late payments in the last 24 months, and No credit events past 40 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9435950 | |||||
| 396 | D | B | D | B | A | A | A | A | Closed | FCRE9549 | 2026-06-02 07:46 | 2026-06-08 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-DTI is within 1% tolerance - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Documents uploaded - Buyer-06/08/2026 Counter-need revised 1003 and a 1008 to show updated DTI and what you included in DTI - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. This report has the correct figures and the file has been updated to match those - Buyer-06/05/2026 Open-Need supporting documents to verify the payment and balance for the following liabilities considered by lender: >[Redacted] with balance $ [Redacted] and payment of $[Redacted] >[Redacted] with balance $[Redacted] & payment of $[Redacted] >[Redacted] with balance $[Redacted]& payment of $[Redacted]. For now considered as it is to avoid dti difference. - Due Diligence Vendor-06/02/2026 |
Resolved-DTI is within 1% tolerance - Due Diligence Vendor-06/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9502037 | |||||
| 396 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-05-28 10:32 | 2026-06-02 07:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9426338 | ||||||
| 396 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-05-28 13:31 | 2026-06-02 07:42 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-As Per Guide maximum 3 nsfs are allowed in 12 month bank statement program Exception form is provided to processed with loan 5 NSFs Exception form is on 20 of 145 Approved with conditions 0.25 to Price - Due Diligence Vendor-05/28/2026 |
Waived-As Per Guide maximum 3 nsfs are allowed in 12 month bank statement program Exception form is provided to processed with loan 5 NSFs Exception form is on 20 of 145 Approved with conditions 0.25 to Price - Due Diligence Vendor-05/28/2026 |
Revolving debt is under 30%, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9431582 | |||||
| 397 | D | B | D | A | A | A | B | B | Closed | FCRE9991 | 2026-06-03 12:41 | 2026-06-05 12:34 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-CLTV updated and now matches TPR using the BPO value as requested thru lender waiver - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/05/2026 Open-CLTV should be [Redacted] as BPO Value used is $[Redacted] as loan amount is $[Redacted]. Please update CLTV. - Due Diligence Vendor-06/03/2026 |
Resolved-CLTV updated and now matches TPR using the BPO value as requested thru lender waiver - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9539303 | |||||
| 397 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-05-29 09:48 | 2026-06-02 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9452780 | ||||||
| 397 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-06-02 07:00 | 2026-06-02 13:32 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-As per guide full appraisal must be used as primary value. As per Exception form proceed with BPO as primary value and second value as appraisal report Approved With Conditions 0.5 to price, must close before appraisal expires Exception form page no 145 of 268 - Due Diligence Vendor-06/02/2026 |
Waived-As per guide full appraisal must be used as primary value. As per Exception form proceed with BPO as primary value and second value as appraisal report Approved With Conditions 0.5 to price, must close before appraisal expires Exception form page no 145 of 268 - Due Diligence Vendor-06/02/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9501243 | |||||
| 398 | D | A | D | A | D | A | A | A | Closed | FCRE1365 | 2026-05-28 15:52 | 2026-06-08 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-lender is considering the 2025 W2-1099 transcript for B2 without 1099 income as no record of return and has validated income via pay history and direct deposit. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Per guidelines, it is allowed to proceed without need for 1009 transcripts. An exception is not required for this case. Non-QM Guidelines state we can proceed with Direct Verification from Employer if current year is NROR for transcripts. We have the Direct Verification from the employer via paystub and current receipt into the borrower's bank statement. - Seller-06/05/2026 Counter-need actual waiver with valid comp factors. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. The 1099 transcripts were waived on the file as the IRS was unable to provide them. - Seller-06/05/2026 Counter-the 1099 transcript is required and not present. we dont need tax return transcript but do need the 1099 validated thru IRS - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. This was waived from the file, the file is 1099 only. Tax return transcripts were not required. - Seller-06/02/2026 Open-Borrower 2 IRS Transcripts Missing - 1099 doc type - missing transcript for [Redacted] 1099 (Transcripts for all other 1099's provided). If the 1099 is not available, tax returns for the most recent 1 years (IRS Form 1040) are required to determine income and related expenses. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Per guidelines, it is allowed to proceed without need for 1009 transcripts. An exception is not required for this case. Non-QM Guidelines state we can proceed with Direct Verification from Employer if current year is NROR for transcripts. We have the Direct Verification from the employer via paystub and current receipt into the borrower's bank statement. - Seller-06/05/2026 Ready for Review-Document Uploaded. The 1099 transcripts were waived on the file as the IRS was unable to provide them. - Seller-06/05/2026 Ready for Review-Document Uploaded. This was waived from the file, the file is 1099 only. Tax return transcripts were not required. - Seller-06/02/2026 |
Resolved-lender is considering the 2025 W2-1099 transcript for B2 without 1099 income as no record of return and has validated income via pay history and direct deposit. - Due Diligence Vendor-06/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9436532 | ||||
| 398 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-05-28 17:05 | 2026-06-03 12:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Unable to test Compliance without the missing initial Closing Disclosure. - Due Diligence Vendor-05/28/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9437680 | |||||
| 398 | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2026-05-28 17:05 | 2026-06-03 12:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-This is acceptable. - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2026 Open-Provide the missing initial Closing Disclosure and any Change of Circumstance that may apply. - Due Diligence Vendor-05/28/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/03/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9437679 | |||||
| 398 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-05-28 13:00 | 2026-05-29 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/28/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-05/29/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9430465 | ||||||
| 399 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-05-30 04:09 | 2026-06-03 19:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9466365 | ||||||
| 400 | D | B | D | B | A | A | A | A | Closed | FCRE1501 | 2026-06-01 09:48 | 2026-06-09 14:34 | Waived | 2 - Non-Material | C | B | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Waived- - Due Diligence Vendor-06/09/2026 Resolved-short reserves. lender waived. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Buyer-06/05/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] Loan Amounts > [Redacted] = 6 months PITIA reserves or $[Redacted]. Bwrs have $[Redacted]. File is short $[Redacted] - Due Diligence Vendor-06/01/2026 |
Resolved-short reserves. lender waived. - Due Diligence Vendor-06/08/2026 |
No mortgage late payments in the last 24 months, 5+ years credit history, 2+ borrowers on the loan |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Investor Post-Close | No | 9480741 | ||||
| 400 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-01 08:57 | 2026-06-03 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9479421 | ||||||
| 401 | D | A | D | A | A | A | A | A | Closed | FCRE1317 | 2026-06-03 14:51 | 2026-06-04 14:34 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-lender interprets CPA letter that same business just closed and reopened under a new name - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. we have received a CPA letter with clarification Please see below - Buyer-06/04/2026 Open-Business incorporated on [Redacted], Less Than 24 Months - Due Diligence Vendor-06/03/2026 |
Resolved-lender interprets CPA letter that same business just closed and reopened under a new name - Due Diligence Vendor-06/04/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9543101 | |||||
| 401 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-01 10:15 | 2026-06-03 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9482087 | ||||||
| 402 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-01 10:28 | 2026-06-03 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9482469 | ||||||
| 402 | D | B | D | B | A | A | A | A | Closed | FCRE6696 | 2026-06-01 11:02 | 2026-06-01 11:02 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Waived-As per guide, Guideline Minimum for self employment history is two years. *Exception form is provided to allow with bwr with business existence since 03/2025 - 14 months. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page #76 of 257 - Due Diligence Vendor-06/01/2026 - Due Diligence Vendor-06/01/2026 |
Waived-Waived-As per guide, Guideline Minimum for self employment history is two years. *Exception form is provided to allow with bwr with business existence since 03/2025 - 14 months. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page #76 of 257 - Due Diligence Vendor-06/01/2026 - Due Diligence Vendor-06/01/2026 |
Revolving debt is under 30%, No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9483235 | |||||
| 403 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 08:52 | 2026-06-04 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9503985 | ||||||
| 404 | D | A | D | A | A | A | C | A | Closed | FVAL9739 | 2026-06-02 10:57 | 2026-06-08 12:21 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-hoa fee now documented - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. HOA uploaded - Buyer-06/08/2026 Open-Property type is PUD and as per 1008 HOA amount is $490 no supporting document is file - Due Diligence Vendor-06/02/2026 |
Resolved-hoa fee now documented - Due Diligence Vendor-06/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9509184 | |||||
| 404 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-06-02 08:10 | 2026-06-04 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9502654 | ||||||
| 405 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-03 00:09 | 2026-06-04 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9520706 | ||||||
| 405 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-06-03 02:43 | 2026-06-03 11:59 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Subject property listed for sale for $[Redacted] and off the market on [Redacted] which is within 6 months per Appraisal Report in Page #9 and is not allowed per Guidelines, however we have exception in page#458 - Due Diligence Vendor-06/03/2026 | Waived-Subject property listed for sale for $[Redacted] and off the market on [Redacted] which is within 6 months per Appraisal Report in Page #9 and is not allowed per Guidelines, however we have exception in page#458 - Due Diligence Vendor-06/03/2026 |
1.Revolving debt is under 30%-Revolving payments $158 is within 30% of total payments $5,296 2. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 3. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#581 4. Credit score >40 points than minimum required -Audited FICO 751 and Guideline FICO 680 with difference 71 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9521788 | |||||
| 405 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-06-03 02:47 | 2026-06-03 11:57 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Gross living area for unit [Redacted] is [Redacted] Sq Ft & [Redacted] is [Redacted] Sq Ft per Appraisal Report in Page #9_which is less than minimum Guideline requirement of [Redacted] Sq Ft and is not allowed. However, Exception is in Page #459 - Due Diligence Vendor-06/03/2026 | Waived-Gross living area for unit [Redacted] is [Redacted] Sq Ft & [Redacted] is [Redacted] Sq Ft per Appraisal Report in Page #9_which is less than minimum Guideline requirement of [Redacted] Sq Ft and is not allowed. However, Exception is in Page #459 - Due Diligence Vendor-06/03/2026 |
1. Revolving debt is under 30%-Revolving payments $158 is within 30% of total payments $5,296 2. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 3. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#581 4. Credit score >40 points than minimum required -Audited FICO 751 and Guideline FICO 680 with difference 71 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9521810 | |||||
| 406 | D | A | D | A | A | A | C | A | Closed | FPRO9974 | 2026-06-02 11:48 | 2026-06-04 09:23 | Resolved | 1 - Information | C | A | Property | Property Issue | Condo Eligibility Requirements not met | Resolved-resolved with lender comments. Project meets their waiver of project review - Due Diligence Vendor-06/04/2026 Ready for Review-confirmed by Collateral UW - Buyer-06/03/2026 Open-- It appears Condo questionnaire waived and meets LPG requirements to do so. However, there is nothing in LPG to state if one entity can own 100% of a Condo when there isn't a Limited a Full review completed. Appraisal states the Condo is a conversion from a 6 unit Duplex in which one owner converted to a Condominium and is now selling them. There are currently 0 sold per the appraisal. lender to confirm this is acceptable - Due Diligence Vendor-06/02/2026 |
Resolved-resolved with lender comments. Project meets their waiver of project review - Due Diligence Vendor-06/04/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9510840 | ||||||
| 406 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-06-02 09:57 | 2026-06-03 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9506848 | ||||||
| 407 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-02 16:32 | 2026-06-05 14:17 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-value updated on docs - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/05/2026 Open-1. Tape need to be corrected as Appraised value is $[Redacted] as per appraisal on page 5,9 of 669 whereas Tape reads $[Redacted] which is considered from appraisal which belong to different property address refer on page 49,53 of 669 2. Need correct Appraised value on 1008, Approval and Lock which is $[Redacted] refer document on page 84,85, 10 of 92 - Due Diligence Vendor-06/02/2026 |
Resolved-value updated on docs - Due Diligence Vendor-06/05/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9518331 | |||||
| 407 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 15:14 | 2026-06-04 15:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9516383 | ||||||
| 408 | D | A | D | A | A | A | A | A | Closed | FCRE4678 | 2026-06-03 09:32 | 2026-06-09 08:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payment shock exceeds guideline | Resolved-pay shock now present - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please review uploaded revised 1003 and explanation on payment shock - Buyer-06/08/2026 Open-no rent payment listed to evaluate pay shock - Due Diligence Vendor-06/03/2026 |
Resolved-pay shock now present - Due Diligence Vendor-06/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9534886 | |||||
| 408 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 07:26 | 2026-06-05 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9526680 | ||||||
| 409 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-03 08:00 | 2026-06-05 09:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9527496 | ||||||
| 409 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-06-03 10:56 | 2026-06-05 09:10 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As per guide, Any projects with significant deferred maintenance or have repairs due to unsafe conditions are not eligible *Exception is provided to proceed the loan with repairs indicating *Exception is on pg 81 of 173 *Approved With Conditions [Redacted] max, 0.25 to price - Due Diligence Vendor-06/03/2026 |
Waived-As per guide, Any projects with significant deferred maintenance or have repairs due to unsafe conditions are not eligible *Exception is provided to proceed the loan with repairs indicating *Exception is on pg 81 of 173 *Approved With Conditions [Redacted] max, 0.25 to price - Due Diligence Vendor-06/03/2026 |
*No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9536721 | |||||
| 410 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 15:04 | 2026-06-05 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9543550 | ||||||
| 411 | D | A | D | A | A | A | A | A | Closed | FCRE9806 | 2026-06-03 13:48 | 2026-06-09 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Other Credit Finding | Resolved-Proof of bk discharged 4/20 received - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please review uploaded explanation - Buyer-06/09/2026 Open-pg 56 shows a [Redacted] acct statement for [Redacted] property with a payment of $[Redacted]/mo and wasnt included in DTI also says on statement that their records show that they are a debtor in Bankruptcy and discharged personal liability from mortgage. need proof that was paid off and borrower not in BK - Due Diligence Vendor-06/03/2026 |
Resolved-Proof of bk discharged 4/20 received - Due Diligence Vendor-06/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9540765 | |||||
| 411 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 14:41 | 2026-06-05 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9542597 | ||||||
| 412 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 03:20 | 2026-06-05 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9522069 | ||||||
| 413 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 11:32 | 2026-06-05 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9537679 | ||||||
| 414 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-06-02 17:59 | 2026-06-03 16:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Initial CD received. - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Please see attached initial CD. - Buyer-06/03/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. - Missing Initial Closing Disclosure. - Due Diligence Vendor-06/02/2026 |
Resolved-Initial CD received. - Due Diligence Vendor-06/03/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9519178 | |||||
| 414 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-02 13:14 | 2026-06-03 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9513123 | ||||||
| 415 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-03 08:22 | 2026-06-05 06:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9528021 | ||||||
| 415 | D | B | D | B | A | A | A | A | Closed | FCRE5774 | 2026-06-03 10:28 | 2026-06-03 10:28 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Waived - As per guide, Borrower's with ITIN Credit Report don't have SSN *Exception form is provided to allow for use of the ITIN credit report with SSN due to borrowers receiving their SSN's 2 days prior. They had been long time Non-perm residents. *Approved Conditions: [Redacted] max *Exception form is on page #787 of 1345 - Due Diligence Vendor-06/03/2026 |
Waived-Waived - As per guide, Borrower's with ITIN Credit Report don't have SSN *Exception form is provided to allow for use of the ITIN credit report with SSN due to borrowers receiving their SSN's 2 days prior. They had been long time Non-perm residents. *Approved Conditions: [Redacted] max *Exception form is on page #787 of 1345 - Due Diligence Vendor-06/03/2026 |
DTI>=10% lower than loan program, 5+ years credit history, and No consumer late payments in last 24 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9536124 | |||||
| 416 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-02 11:57 | 2026-06-03 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9511050 | ||||||
| 417 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 05:56 | 2026-06-05 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9525108 | ||||||
| 418 | D | B | D | A | C | B | B | B | Closed | 1000703-1002117 | 2026-06-03 08:17 | 2026-06-08 10:17 | Cured | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Cured-PCCD provided is acceptable. - Due Diligence Vendor-06/08/2026 Counter- - Due Diligence Vendor-06/08/2026 Counter-recording fees are an APR and title disclosed recording fees in incorrect section and should have been in section E. this is valid as this ia recording fee, not a doc preparation fee - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Title recording fees from section C are not an APR fee. - Seller-06/04/2026 Open-The disclosed finance charge ($[Redacted]) is ($[Redacted]) below the actual finance charge ($[Redacted]). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $[Redacted] below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) APR should include Recording Fee. This is an APR Fee. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. Title recording fees from section C are not an APR fee. - Seller-06/04/2026 |
Cured-PCCD provided is acceptable. - Due Diligence Vendor-06/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9527931 | ||||
| 418 | D | B | D | A | C | B | B | B | Closed | 1000704-1002118 | 2026-06-03 08:17 | 2026-06-08 10:16 | Cured | 2 - Non-Material | C | B | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-This is acceptable. - Due Diligence Vendor-06/08/2026 Resolved-Resolved - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please review uploaded PCCD,LOX and proof of delivery . The recording fees were updated to $[Redacted] based to final ALTA statement. - Seller-06/08/2026 Counter-recording fees are an APR and title disclosed recording fees in incorrect section and should have been in section E. this is valid as this ia recording fee, not a doc preparation fee - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Ready for Review-Title recording fees from section C are not an APR fee - Buyer-06/04/2026 Open-The disclosed finance charge ($[Redacted]6) is ($[Redacted]) below the actual finance charge($[Redacted]). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $[Redacted] below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) APR should include Recording Fee. This is an APR Fee. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. Please review uploaded PCCD,LOX and proof of delivery . The recording fees were updated to $[Redacted] based to final ALTA statement. - Seller-06/08/2026 |
Cured-This is acceptable. - Due Diligence Vendor-06/08/2026 Resolved-Resolved - Due Diligence Vendor-06/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9527930 | ||||
| 418 | D | B | D | A | C | B | B | B | Closed | FCRE9512 | 2026-06-03 08:06 | 2026-06-05 08:38 | Resolved | 1 - Information | A | A | Credit | Income/Employment | TPR Verified Income Documentation type does not match Origination Income Documentation type | Resolved-missing items for proof extension and prior year filing now present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. We had extension forms on file for 1040's,but w2 transcripts were on file for the past 3 years. - Buyer-06/04/2026 Open-2YR Full - wage income used for qualification, no 24 or 25 transcripts. Also missing the 2024 tax returns. They have not been filed yet. need these 3 items for 2024 Proof of filing, as evidenced by one of the following: a. Cancelled checks or withdrawal, matching amount owed on tax returns, from taxpayer’s account to IRS or, b. Refund matching disclosed refund on tax returns into the borrower’s account (fully approved ‘where’s my refund” findings are also acceptable) or, c. IRS stamped 1040s or a waiver - Due Diligence Vendor-06/03/2026 |
Resolved-missing items for proof extension and prior year filing now present - Due Diligence Vendor-06/05/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9527617 | |||||
| 418 | D | B | D | A | C | B | B | B | Closed | FCOM4028 | 2026-06-03 07:26 | 2026-06-03 12:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9526673 | ||||||
| 418 | D | B | D | A | C | B | B | B | Closed | FVAL5385 | 2026-06-03 08:08 | 2026-06-03 08:10 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Waived-As per guide, Guideline does not permit cash out refinances for properties currently listed. *Exception form is provided to allow cash out refinance. *Approved Conditions: [Redacted] max, must be de-listed before closing. (canceled listing page 279 of 282) *Exception form is on page #272 of 282 - Due Diligence Vendor-06/03/2026 - Due Diligence Vendor-06/03/2026 |
Waived-Waived-As per guide, Guideline does not permit cash out refinances for properties currently listed. *Exception form is provided to allow cash out refinance. *Approved Conditions: [Redacted] max, must be de-listed before closing. (canceled listing page 279 of 282) *Exception form is on page #272 of 282 - Due Diligence Vendor-06/03/2026 - Due Diligence Vendor-06/03/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9527664 | |||||
| 419 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 04:34 | 2026-06-05 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9524131 | ||||||
| 420 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-03 10:38 | 2026-06-05 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9536293 | ||||||
| 420 | D | B | D | B | A | A | A | A | Closed | FCRE9488 | 2026-06-03 13:37 | 2026-06-03 13:37 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived-As per Utility bill borrower name is not reflecting however borrower residing in Subject property Exception is provided for exception on documentation as no proper documentation to verify borrower current resident Approved Conditions : [Redacted] MAX & 0.25 to price Exception Form page no 25 of 84 - Due Diligence Vendor-06/03/2026 |
Waived-As per Utility bill borrower name is not reflecting however borrower residing in Subject property Exception is provided for exception on documentation as no proper documentation to verify borrower current resident Approved Conditions : [Redacted] MAX & 0.25 to price Exception Form page no 25 of 84 - Due Diligence Vendor-06/03/2026 |
5 years on current job, 10 years or more in the same line of employment, No credit events past 40 months, 5+ years credit history, LTV 10% below maximum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9540503 | |||||
| 421 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 09:51 | 2026-06-03 12:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/03/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9535295 | ||||||
| 422 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 20:17 | 2026-06-05 15:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9571273 | ||||||
| 422 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-06-04 21:43 | 2026-06-04 21:44 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Waived-As per guide, Borrower's Business need to have existed for at least the last two years. *Exception provided to allow CPA letter to indicate borrower has been Schedule C for more than 2 years yet Articles of Incorporation show established 7/9/2025. *Approved Conditions: [Redacted] max *Exception form is on page #48 of 155 - Due Diligence Vendor-06/05/2026 |
Waived-Income and Employment Do Not Meet Guidelines Waived-As per guide, Borrower's Business need to have existed for at least the last two years. *Exception provided to allow CPA letter to indicate borrower has been Schedule C for more than 2 years yet Articles of Incorporation show established 7/9/2025. *Approved Conditions: [Redacted] max *Exception form is on page #48 of 155 - Due Diligence Vendor-06/05/2026 |
Revolving debt is under 30%, Residual income >=$3,000, and no credit events past 40 months. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9571476 | |||||
| 423 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 12:27 | 2026-06-05 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9539015 | ||||||
| 424 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-03 09:17 | 2026-06-05 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9534269 | ||||||
| 424 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-06-03 10:11 | 2026-06-05 10:13 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Exception for condo project needing repairs such as slab cracks, water proofing, balcony clab-edge cracks etc Approved with conditions of [Redacted] Max, 0.25 to price Waiver on page 47 of 128 - Due Diligence Vendor-06/03/2026 |
Waived-Exception for condo project needing repairs such as slab cracks, water proofing, balcony clab-edge cracks etc Approved with conditions of [Redacted] Max, 0.25 to price Waiver on page 47 of 128 - Due Diligence Vendor-06/03/2026 |
Revolving debt is under 30% = 2.5% Residual income >=3000$ = $20,659.17 DTI >=10% lower than loan program =18.34 max is 50 No credit events past 40 months = No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No consumer late payments in the last 24 months =No Consumer late payments in past 24 months, per CBR Page #121 LTV 10% below maximum = 40 max is 50 Credit score >40 points than minimum required = 791 min is 720 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9535757 | |||||
| 425 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-03 14:17 | 2026-06-05 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9541565 | ||||||
| 425 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-06-03 16:47 | 2026-06-03 16:51 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-*As per guide mandatory upfront or periodic membership fees are not allowed *Exception form is provided to allow condo has some mandatory fees *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 45 of 371 - Due Diligence Vendor-06/03/2026 |
Waived-*As per guide mandatory upfront or periodic membership fees are not allowed *Exception form is provided to allow condo has some mandatory fees *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 45 of 371 - Due Diligence Vendor-06/03/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9545003 | |||||
| 426 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 05:52 | 2026-06-05 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9552508 | ||||||
| 427 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-03 11:11 | 2026-06-05 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/03/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9537083 | ||||||
| 428 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 03:06 | 2026-06-08 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9548971 | ||||||
| 429 | D | A | D | A | A | A | A | A | Closed | FCRE1167 | 2026-06-04 15:31 | 2026-06-10 11:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-replacement cost endorsed on policy is now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Good morning, HOI includes Extra Replacement Cost. - Buyer-06/10/2026 Open-Hazard Insurance $[Redacted] in page #338 is less than loan amount $[Redacted] and replacement cost not provided in file. - Due Diligence Vendor-06/04/2026 |
Resolved-replacement cost endorsed on policy is now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9567105 | |||||
| 429 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 05:01 | 2026-06-08 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9551721 | ||||||
| 430 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 07:43 | 2026-06-08 10:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9554254 | ||||||
| 431 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 03:02 | 2026-06-08 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9548947 | ||||||
| 432 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 01:57 | 2026-06-08 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9548662 | ||||||
| 433 | D | B | D | B | A | A | A | A | Closed | FCRE1165 | 2026-06-04 01:10 | 2026-06-24 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-policy number is now present - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/24/2026 Open-Flood Insurance Policy Partially Provided Please provide updated flood insurance policy as unable to verify policy number in provided document in page #1_[Redacted] credit Package 2.pdf - Due Diligence Vendor-06/04/2026 |
Resolved-policy number is now present - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9548350 | |||||
| 433 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-03 23:37 | 2026-06-08 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9547678 | ||||||
| 433 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-04 01:51 | 2026-06-04 12:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount $[Redacted] is less than guideline minimum loan amount $[Redacted] , however we have exception in page#16_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-06/04/2026 | Waived-Audited loan amount $[Redacted] is less than guideline minimum loan amount $[Redacted] , however we have exception in page#16_[Redacted] Credit Package 2.pdf - Due Diligence Vendor-06/04/2026 |
Revolving debt is under 30% - Revolving payment $142 is with in 30% of all other total payments $6,729.77 No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months -No Mortgage late payments in CBR Page #205,212_[Redacted] Credit Package 2.pdf 5+ years credit history - Oldest tradeline date in CBR page #205,212_Gross Credit Package 2.pdf is 12/01/2013 No consumer late payments in the last 24 months - No Consumer late payments in CBR Page #205,212_[Redacted] Credit Package 2.pdf Credit score >40 points than minimum required- Guideline Min FICO 680 and Qualifying FICO 784 variance is 104 > 40 points Reserves >6 months- Qualifying Total Reserves Number of Months is 29.17 > 6 months Experienced investor - Borrower already owns 3 Investment properties per Final 1003 page #515_[Redacted] Credit Package 1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9548639 | |||||
| 434 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-04 09:53 | 2026-06-15 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/15/2026 Resolved-binder number now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. - Buyer-06/15/2026 Counter-we are unable to validate this bound with out a binder or policy number - Due Diligence Vendor-06/15/2026 Ready for Review-Good morning, Binder is a temporary document, so # is not obligatory - Buyer-06/12/2026 Counter-we need binder number to confirm it was bound - Due Diligence Vendor-06/10/2026 Ready for Review-Good morning, There is no requirement for policy# for EOI/Binder, because this is not a policy, we have customer name insured, property address, all these match - Buyer-06/09/2026 Open-Hazard Insurance Policy Partially Provided binder number missing - Due Diligence Vendor-06/04/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/15/2026 Resolved-binder number now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9557659 | |||||
| 434 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:25 | 2026-06-08 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9555436 | ||||||
| 435 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 11:58 | 2026-06-08 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9561953 | ||||||
| 436 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 07:49 | 2026-06-08 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9554333 | ||||||
| 437 | D | B | D | B | A | A | A | A | Closed | FCRE1158 | 2026-06-04 09:54 | 2026-06-10 06:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2026 Resolved-resolved with lender comments. They are ok to use to the invoice number for binder [Redacted] - Due Diligence Vendor-06/10/2026 Ready for Review-The policy number reflected as TBD (it is not a policy, this is EOI) is not a concern, we have customer# on the HOI and invoice [Redacted], this matches, premium amount also matches both policy and invoice, property also matches - Buyer-06/09/2026 Open-Hazard Insurance Policy Partially Provided Policy No. is missing on HOI doc pg no. 4,9 of 164 - Due Diligence Vendor-06/04/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2026 Resolved-resolved with lender comments. They are ok to use to the invoice number for binder [Redacted] - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9557747 | ||||||
| 437 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:32 | 2026-06-08 08:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9555621 | ||||||
| 437 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-06-04 10:47 | 2026-06-08 07:57 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-As Per Guide deposits should not be zero in Bank Statement Exception form is provided to processed with loan some months had zero deposits Exception form is on 50 of 164 Approved with condition 0.125 to price , [Redacted] max - Due Diligence Vendor-06/04/2026 |
Waived-As Per Guide deposits should not be zero in Bank Statement Exception form is provided to processed with loan some months had zero deposits Exception form is on 50 of 164 Approved with condition 0.125 to price , [Redacted] max - Due Diligence Vendor-06/04/2026 |
5 years on current job, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9560053 | |||||
| 438 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 15:13 | 2026-06-08 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9566647 | ||||||
| 438 | D | B | D | B | A | A | A | A | Closed | FCRE7415 | 2026-06-04 16:04 | 2026-06-04 16:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Personal Bank Statement Program does not allow non-borrower account holders | Waived-All parties listed on each bank account must also be borrowers on the loan exception to use one borrower on statements Comments Looking for exception to use personal bank statements with one person on the loan where the statements show 2 people. Excellent credit borrower and putting 35% down. Pg. 18 - Due Diligence Vendor-06/04/2026 |
Waived-All parties listed on each bank account must also be borrowers on the loan exception to use one borrower on statements Comments Looking for exception to use personal bank statements with one person on the loan where the statements show 2 people. Excellent credit borrower and putting 35% down. Pg. 18 - Due Diligence Vendor-06/04/2026 |
Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% Credit Decision Status & Date of Decision Approved With Conditions 05/20/2026 65% LTV max |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9568087 | |||||
| 439 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-04 08:01 | 2026-06-08 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9554556 | ||||||
| 439 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-06-04 10:13 | 2026-06-08 09:47 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-*As per guide, Any projects with significant deferred maintenance or have repairs due to unsafe conditions are not eligible *Exception is provided to proceed the loan with Condo property indicating Repairs *Exception is on pg 39 of 113 *Approved With Conditions [Redacted] MAX & 0.25 to price - Due Diligence Vendor-06/04/2026 |
Waived-*As per guide, Any projects with significant deferred maintenance or have repairs due to unsafe conditions are not eligible *Exception is provided to proceed the loan with Condo property indicating Repairs *Exception is on pg 39 of 113 *Approved With Conditions [Redacted] MAX & 0.25 to price - Due Diligence Vendor-06/04/2026 |
*Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9558520 | |||||
| 440 | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2026-06-05 08:13 | 2026-06-09 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/09/2026 Resolved-now present - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. please see the attached credit report - Buyer-06/09/2026 Open-Borrower 1 Credit Report is Missing. Credit Report is missing in the file - Due Diligence Vendor-06/05/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/09/2026 Resolved-now present - Due Diligence Vendor-06/09/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9578770 | |||||
| 440 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 07:39 | 2026-06-08 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9578109 | ||||||
| 441 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 09:13 | 2026-06-08 10:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9556586 | ||||||
| 441 | D | B | D | B | A | A | A | A | Closed | FCRE2502 | 2026-06-04 11:29 | 2026-06-08 10:51 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Transaction is not arm's length | Waived-Waived-As per guide, Non-arm’s length transactions Primary residence only *Exception form is provided to allow purchase as 2nd home *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 377 of 588 - Due Diligence Vendor-6/4/2026 - Due Diligence Vendor-06/04/2026 |
Waived-Waived-As per guide, Non-arm’s length transactions Primary residence only *Exception form is provided to allow purchase as 2nd home *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 377 of 588 - Due Diligence Vendor-6/4/2026 - Due Diligence Vendor-06/04/2026 |
No credit events past 40 months = No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months = No mortgage late payments in past 24 months per CBR Page #54 5+ years credit history =11/1/1998 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 9561289 | |||||
| 442 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:38 | 2026-06-08 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9555725 | ||||||
| 442 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-06-04 10:16 | 2026-06-08 08:29 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-*As per guide non-occupant borrowers cannot be the primary income earners *Exception form is provided to allow non-occupant co- borrower income is more than 50% of the total income on the loan. *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 66 of 225 - Due Diligence Vendor-06/04/2026 |
Waived-*As per guide non-occupant borrowers cannot be the primary income earners *Exception form is provided to allow non-occupant co- borrower income is more than 50% of the total income on the loan. *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 66 of 225 - Due Diligence Vendor-06/04/2026 |
Several income sources and DTI below 45%, Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum, Credit score >40 points than minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9558610 | |||||
| 442 | D | B | D | B | A | A | A | A | Closed | FCRE9981 | 2026-06-04 10:12 | 2026-06-04 10:17 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Unresolved Litigation present in file | Waived-*HOA has involved in open litigation *Exception form is provided to allow Pending Litigation *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 65 of 225 - Due Diligence Vendor-06/04/2026 |
Waived-*HOA has involved in open litigation *Exception form is provided to allow Pending Litigation *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 65 of 225 - Due Diligence Vendor-06/04/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9558470 | |||||
| 443 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 03:37 | 2026-06-08 10:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9549198 | ||||||
| 444 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 06:14 | 2026-06-08 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9552828 | ||||||
| 445 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 07:49 | 2026-06-08 11:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9554338 | ||||||
| 446 | D | B | D | A | C | B | A | A | Closed | 50001028-Fees-Limited | 2026-06-04 11:34 | 2026-06-11 09:19 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-This is acceptable. - Due Diligence Vendor-06/11/2026 Resolved-Resolved - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please review uploaded documents - Seller-06/11/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($50.00) were applied to the total fee variance of ($96.80) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. Please review uploaded documents - Seller-06/11/2026 |
Cured-This is acceptable. - Due Diligence Vendor-06/11/2026 Resolved-Resolved - Due Diligence Vendor-06/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9561418 | ||||
| 446 | D | B | D | A | C | B | A | A | Closed | 50001026-Fees-Limited | 2026-06-04 11:34 | 2026-06-11 09:19 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001026) | Cured-This is acceptable. - Due Diligence Vendor-06/11/2026 Resolved-Resolved - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please review uploaded documents - Buyer-06/11/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($50.00) were applied to the total fee variance of ($96.80) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. recording fee went up and lender credit insufficent to cover - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 Open- - Due Diligence Vendor-06/04/2026 |
Cured-This is acceptable. - Due Diligence Vendor-06/11/2026 Resolved-Resolved - Due Diligence Vendor-06/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9561417 | |||||
| 446 | D | B | D | A | C | B | A | A | Closed | FCOM4028 | 2026-06-04 07:36 | 2026-06-04 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9554075 | ||||||
| 447 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:41 | 2026-06-08 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9555840 | ||||||
| 448 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 07:02 | 2026-06-08 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9553477 | ||||||
| 449 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:31 | 2026-06-04 11:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/04/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9555564 | ||||||
| 450 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 06:48 | 2026-06-08 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9553266 | ||||||
| 450 | D | B | D | B | A | A | A | A | Closed | FCRE2828 | 2026-06-04 07:49 | 2026-06-04 07:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan Modification and Program Does Not Allow This | Waived-Exception for transaction not being a true refinance and more of a restructure. borrower stating with same private lender and injected ~$[Redacted] to reduce loan to $[Redacted]. No funds were taken out. Cash in refinance Approved with conditions of 0.125 to price Waiver on page 72 of 212 - Due Diligence Vendor-06/04/2026 |
Waived-Exception for transaction not being a true refinance and more of a restructure. borrower stating with same private lender and injected ~$[Redacted] to reduce loan to $[Redacted]. No funds were taken out. Cash in refinance Approved with conditions of 0.125 to price Waiver on page 72 of 212 - Due Diligence Vendor-06/04/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, No consumer late payments in the last 24 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 9554343 | |||||
| 451 | D | B | D | A | A | A | B | B | Closed | FCRE1182 | 2026-06-04 16:43 | 2026-06-08 09:44 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided and DTI now is within 1% - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see attached 1008. - Buyer-06/05/2026 Open-Missing Manual approved 1008. The 1008 provided in the file is the DU AUS approval and information doesn't exactly match the loan details. Please provide. - Due Diligence Vendor-06/04/2026 |
Resolved-1008 provided and DTI now is within 1% - Due Diligence Vendor-06/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9568633 | |||||
| 451 | D | B | D | A | A | A | B | B | Closed | FCRE9991 | 2026-06-05 10:34 | 2026-06-08 09:43 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-1008 provided and DTI now is within 1% - Due Diligence Vendor-06/08/2026 Ready for Review-Please see the following DTI calculations: DTI calculations = $[Redacted] (other monthly payments $[Redacted] + $[Redacted] primary housing total amount) total monthly payment * 100 / $[Redacted] income = 47.90% - Buyer-06/05/2026 Open-DTI is not matching TPR 36.65% unable to determine how Lender arrived at 47.90% - Due Diligence Vendor-06/05/2026 |
Resolved-1008 provided and DTI now is within 1% - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9584256 | ||||||
| 451 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-04 12:48 | 2026-06-05 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9563133 | ||||||
| 451 | D | B | D | A | A | A | B | B | Closed | FPRO9974 | 2026-06-04 16:51 | 2026-06-04 16:51 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Condo Eligibility Requirements not met | Waived-Waived-As per guide, Condo shouldn't have repairs with Litigation *Exception form is provided to allow Litigation stating repairs are needed for the deck and balcony of Condo units since subject property doesn't have a deck nor a balcony. Documentation provided in file. *Approved Conditions: [Redacted] max *Exception form is on page #46 of 146 - Due Diligence Vendor-06/04/2026 |
Waived-Waived-As per guide, Condo shouldn't have repairs with Litigation *Exception form is provided to allow Litigation stating repairs are needed for the deck and balcony of Condo units since subject property doesn't have a deck nor a balcony. Documentation provided in file. *Approved Conditions: [Redacted] max *Exception form is on page #46 of 146 - Due Diligence Vendor-06/04/2026 |
Revolving debt is under 30%, Residual income>=$3,000, and no credit events past 40 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9568700 | |||||
| 452 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:10 | 2026-06-08 11:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9555133 | ||||||
| 452 | D | B | D | B | A | A | A | A | Closed | FCRE4451 | 2026-06-04 08:48 | 2026-06-08 11:20 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Cash out purchase is not allowed | Waived-Exception for borrower non permanent resident and cash out transaction Approved with conditions of [Redacted] MAX & 0.25 to price Waiver on page 44 of 98 - Due Diligence Vendor-06/04/2026 |
Waived-Exception for borrower non permanent resident and cash out transaction Approved with conditions of [Redacted] MAX & 0.25 to price Waiver on page 44 of 98 - Due Diligence Vendor-06/04/2026 |
DTI >=10% lower than loan program = DTI is 30.54 max is 50 No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, Credit score >40 points than minimum required = score 741 min is 620 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9555978 | |||||
| 453 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-04 12:25 | 2026-06-08 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9562402 | ||||||
| 453 | D | B | D | A | A | A | B | B | Closed | FVAL6465 | 2026-06-04 13:47 | 2026-06-04 13:47 | Waived | 2 - Non-Material | B | B | Property | Property | Property is listed for sale | Waived--Property should not be listed for sale in the pas t 6 months when transaction is cash-out. -Exception from provided to proceed with loan as property was listed within 6 months. Approved Condition :- [Redacted] Max -Exception form on page no 94 of 231. - Due Diligence Vendor-06/04/2026 |
Waived--Property should not be listed for sale in the pas t 6 months when transaction is cash-out. -Exception from provided to proceed with loan as property was listed within 6 months. Approved Condition :- [Redacted] Max -Exception form on page no 94 of 231. - Due Diligence Vendor-06/04/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, 2+ borrowers on the loan, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9564350 | |||||
| 454 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 11:14 | 2026-06-08 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9561003 | ||||||
| 455 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 12:07 | 2026-06-08 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9562121 | ||||||
| 456 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 14:04 | 2026-06-08 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9564743 | ||||||
| 457 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 12:26 | 2026-06-08 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9562429 | ||||||
| 458 | D | A | D | A | A | A | A | A | Closed | FCRE6969 | 2026-06-04 16:35 | 2026-06-18 13:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-gift funds now documented - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. please see the attached files thank you - Buyer-06/18/2026 Open-Gift of $[Redacted] reflecting on CD page 156 and only gift letter is provided on page 40 no wire proof or supporting document missing in file - Due Diligence Vendor-06/04/2026 |
Resolved-gift funds now documented - Due Diligence Vendor-06/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9568526 | |||||
| 458 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-04 16:45 | 2026-06-10 11:35 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DSCR to 1.029 - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Counter-this is not a published guideline to use 125% of stated rents if your system is higher. DSCR needs to be adjusted to use $[Redacted] as TPR will not accept the 125% without a higher lease by more than 1007 by more than 25%. If no lease we use 1007 this is the published guidelines - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Per the checklist (please see 1 snap) So located the application (please see 2 snap) The [Redacted] was from the appraisal. We were advised that if the listed rent amount in our system was higher we could accept it only up to 25% without a lease. So [Redacted] plus [Redacted]so we have the rent at [Redacted] so we used that amount. [Redacted]=1.071 - Buyer-06/09/2026 Open-DSCR is off by 0.042. Lender's score 1.071 Lender 1008 indicates a rent of $[Redacted] Docs in file, 1007 page #17 reflect $[Redacted]. PITI Matches. No lease or other indicator to support any other rent per Lender if any. > Calculation [Redacted] = 1.029 should be the actual score. Reason: Unable to identify how lender considered rent amount - Due Diligence Vendor-06/04/2026 |
Resolved-lender updated DSCR to 1.029 - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9568663 | |||||
| 458 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 14:53 | 2026-06-08 11:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9566180 | ||||||
| 459 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 14:27 | 2026-06-08 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9565397 | ||||||
| 460 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-06-04 21:34 | 2026-06-08 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9571466 | ||||||
| 460 | D | B | D | B | A | A | B | B | Closed | FVAL5472 | 2026-06-04 23:18 | 2026-06-05 10:54 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Gross living area [Redacted] Sq Ft per Appraisal Report in Page #146_Credit package 1.pdf which is less than minimum Guideline requirement of [Redacted] Sq Ft and is not allowed. However, Exception is in Page #33_Credit package 1.pdf - Due Diligence Vendor-06/05/2026 |
Waived-Gross living area [Redacted] Sq Ft per Appraisal Report in Page #146_Credit package 1.pdf which is less than minimum Guideline requirement of [Redacted] Sq Ft and is not allowed. However, Exception is in Page #33_Credit package 1.pdf - Due Diligence Vendor-06/05/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#116_Credit package 1.pdf 3. No consumer late payments in the last 24 months- No consumer late payments per Credit Report in page#116_Credit package 1.pdf 4. Credit score >40 points than minimum required -Audited FICO 810 and Guideline FICO 660 with difference 150 which is greater than 40. 5. Reserves >6 months - calculated reserves 14.3 months which is > 6 months. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9571849 | |||||
| 460 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-06-04 23:23 | 2026-06-05 10:51 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount $[Redacted] is Less than Guideline minimum loan amount [Redacted] which is not allowed per Guidelines. However, Exception is in page #38_Credit pkg part 2.pdf - Due Diligence Vendor-06/05/2026 | Waived-Audited loan amount $[Redacted] is Less than Guideline minimum loan amount [Redacted] which is not allowed per Guidelines. However, Exception is in page #38_Credit pkg part 2.pdf - Due Diligence Vendor-06/05/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#116_Credit package 1.pdf 3. No consumer late payments in the last 24 months- No consumer late payments per Credit Report in page#116_Credit package 1.pdf 4. Credit score >40 points than minimum required -Audited FICO 810 and Guideline FICO 660 with difference 150 which is greater than 40. 5. Reserves >6 months - calculated reserves 14.3 months which is > 6 months. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9571872 | |||||
| 461 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 462 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 08:30 | 2026-06-08 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9555561 | ||||||
| 462 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-06-04 10:01 | 2026-06-04 10:01 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-- As per guide only 2 NSF are allowed -Exception form provided to proceed with loan as there are 7 NSFs in the past 12 months bank statement -Approved condition :- $[Redacted] LA Max, 0.25 to price -Exception form on page no 49 of 234. - Due Diligence Vendor-06/04/2026 |
Waived-- As per guide only 2 NSF are allowed -Exception form provided to proceed with loan as there are 7 NSFs in the past 12 months bank statement -Approved condition :- $[Redacted] LA Max, 0.25 to price -Exception form on page no 49 of 234. - Due Diligence Vendor-06/04/2026 |
Revolving debt is under 30%, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9558046 | |||||
| 463 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 10:40 | 2026-06-08 15:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9559721 | ||||||
| 464 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-04 10:55 | 2026-06-09 09:56 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-CU now present and supports value - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please see attached SSR. Agree, that provided AVM is ineligible for delivery. - Buyer-06/09/2026 Open-AVM confidence is 90, however the AVM appears to not value the individual condo unit. No number on AVM. Further, the AVM value is more than twice the appraised value and sales price. $[Redacted] Value vs the $[Redacted] SP and Value. SSR page 38 is null. it also states subject is a SFR detached built in 1959 whereas subject is a high rise condo built in 1970 - Due Diligence Vendor-06/04/2026 |
Resolved-CU now present and supports value - Due Diligence Vendor-06/09/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9560210 | |||||
| 464 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-04 10:26 | 2026-06-08 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9559136 | ||||||
| 465 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 22:06 | 2026-06-08 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9571519 | ||||||
| 466 | D | A | D | A | D | A | A | A | Closed | FCOM1477 | 2026-06-04 12:21 | 2026-06-10 07:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-rate lock now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/09/2026 Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. - Due Diligence Vendor-06/04/2026 |
Resolved-rate lock now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9562339 | |||||
| 466 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-04 11:07 | 2026-06-08 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9560753 | ||||||
| 467 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 09:28 | 2026-06-08 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9556927 | ||||||
| 468 | D | A | D | A | A | A | A | A | Closed | FCRE1500 | 2026-06-05 03:45 | 2026-06-10 07:08 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than $0 | Resolved-Liquid Funds Post Close are $41822.92 - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/09/2026 Open-Liquid Funds Post Close are less than $0 Borrower had to bring $[Redacted] and Final 1003 in Page #242 reflects Business funds $[Redacted] whereas related Bank Statement is missing in file to verify the same. Short -$[Redacted] for cash to close plus reserves of $[Redacted]. - Due Diligence Vendor-06/05/2026 |
Resolved-Liquid Funds Post Close are $[Redacted] - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9575193 | |||||
| 468 | D | A | D | A | A | A | A | A | Closed | FCRE1501 | 2026-06-05 03:45 | 2026-06-10 07:08 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-06/10/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $[Redacted] Borrower had to bring $[Redacted] and Final 1003 in Page #242 reflects Business funds $[Redacted] whereas related Bank Statement is missing in file to verify the same. Short -$[Redacted] for cash to close plus reserves of $[Redacted]8. - Due Diligence Vendor-06/05/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9575194 | ||||||
| 468 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 01:06 | 2026-06-08 15:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9572723 | ||||||
| 469 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 08:11 | 2026-06-08 16:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9578746 | ||||||
| 470 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-06-05 05:47 | 2026-06-11 08:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received transfer letter - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/11/2026 Counter-no appraisal transfer letter present. please provide - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/10/2026 Open-Appraisal is Missing along with rent schedule in file. - Due Diligence Vendor-06/05/2026 |
Resolved-Received transfer letter - Due Diligence Vendor-06/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9576405 | |||||
| 470 | D | A | D | A | A | A | D | A | Closed | FCRE9991 | 2026-06-05 07:49 | 2026-06-10 09:28 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-1007 now present and support DSCR calc - Due Diligence Vendor-06/10/2026 Open-Calculated DSCR 0 not matching with originator DSCR 1.095 with variance 1.095. Supporting document missing to verify rent amount reflecting in 1008. DSCR calculation as follows- Rent amount $0 / PITIA $[Redacted]= 0 Considered Rent amount from 1007 is missing & PITI from First Payment Letter in Page #291. - Due Diligence Vendor-06/05/2026 |
Resolved-1007 now present and support DSCR calc - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9578260 | ||||||
| 470 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-05 04:26 | 2026-06-08 15:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9575585 | ||||||
| 471 | D | A | D | A | A | A | A | A | Closed | FCRE1212 | 2026-06-05 02:03 | 2026-06-10 11:36 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-contract now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-Purchase contract has not been fully provided Please provide complete purchase contract as we only have addendum in file in page#496,497 - Due Diligence Vendor-06/05/2026 |
Resolved-contract now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9573094 | |||||
| 471 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 23:15 | 2026-06-08 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9571823 | ||||||
| 472 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 03:08 | 2026-06-08 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9573383 | ||||||
| 473 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 10:55 | 2026-06-09 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9585052 | ||||||
| 474 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 08:38 | 2026-06-09 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9579320 | ||||||
| 474 | D | B | D | B | A | A | A | A | Closed | FCRE1198 | 2026-06-05 11:14 | 2026-06-09 08:35 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-As Per Guide LA amount more then 1M reserves should be 6 Exception form is provided to proceed with loan 3 month reserves only Exception form is on 9 of 211 Approved with conditions 0.25 to price - Due Diligence Vendor-06/05/2026 |
Waived-As Per Guide LA amount more then 1M reserves should be 6 Exception form is provided to proceed with loan 3 month reserves only Exception form is on 9 of 211 Approved with conditions 0.25 to price - Due Diligence Vendor-06/05/2026 |
5 years on current job, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Borrower contribution exceeds requirement >=5% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9585816 | |||||
| 475 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 11:18 | 2026-06-09 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9585952 | ||||||
| 475 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-06-05 12:37 | 2026-06-09 15:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-max loan size on a second is [Redacted]. lender gave exception pg 521 - Due Diligence Vendor-06/05/2026 |
Waived-max loan size on a second is [Redacted]. lender gave exception pg 521 - Due Diligence Vendor-06/05/2026 |
Revolving debt is under 30% = n/a 5 years on current job= 08/29/2008 -17.76 years Residual income >=3000$ =$79,712 DTI >=10% lower than loan program =31.66 max is 50% No credit events past =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9588247 | |||||
| 476 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 00:18 | 2026-06-09 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9572340 | ||||||
| 477 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-06-05 09:44 | 2026-06-10 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-income calc is now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. please see the attached documents - Buyer-06/09/2026 Open-*Loan program is 12 months bank statement, However 12 months bank statements and calculation sheet is missing in file - Due Diligence Vendor-06/05/2026 |
Resolved-income calc is now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9582846 | |||||
| 477 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 07:50 | 2026-06-09 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9578295 | ||||||
| 478 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 00:54 | 2026-06-09 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9572648 | ||||||
| 479 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 09:32 | 2026-06-09 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9582063 | ||||||
| 480 | D | A | D | A | A | A | A | A | Closed | FCRE3876 | 2026-06-05 14:24 | 2026-06-11 14:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title E&O Policy Missing or Expired | Resolved-Received E&O insurance - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Counter-this is the appraisers insurance. we need the E&O policy for the title company - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. please see the attached file - Buyer-06/09/2026 Open-Title O&E Policy is Missing or Expired expired E& O in file - Due Diligence Vendor-06/05/2026 |
Resolved-Received E&O insurance - Due Diligence Vendor-06/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9590695 | |||||
| 480 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 13:06 | 2026-06-09 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9588897 | ||||||
| 481 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-05 13:29 | 2026-06-17 12:52 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated DTI and with qualifying payment, we match at 40.85 - Due Diligence Vendor-06/17/2026 Ready for Review-The DTI in the system is correct. PITIA on Interest Only loans should be counted from the Qualifying Payment and not Actual Payment. So it would be PI $[Redacted]. Adding the other monthly payments [Redacted]. Total would be $[Redacted], which is the amount that we have in the system. Liabilities of $[Redacted] = 40.850%. - Buyer-06/17/2026 Counter-1008 does not add up. Based on DTI and final 1003 DTI should be 34.97%. PITIA on subject is $[Redacted] + other debts (including the primary housing expenses of $[Redacted])= $[Redacted].75. Total debt $[Redacted] / income of $[Redacted]= 34 - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. please see the attached files thank you - Buyer-06/17/2026 Open-*DTI is off by 5.88, lender DTI is 45.9 *Income and PITIA is matches *Reason is unable to identify how lender calculated DTI *DTI should be PHE $[Redacted] + Debts from Credit report of $[Redacted] + PITIA $[Redacted] / Income of $[Redacted] = 34.97% - Due Diligence Vendor-06/05/2026 |
Resolved-lender updated DTI and with qualifying payment, we match at 40.85 - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9589534 | |||||
| 481 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 11:08 | 2026-06-09 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9585518 | ||||||
| 482 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 10:55 | 2026-06-09 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9585062 | ||||||
| 483 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 22:39 | 2026-06-09 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9571645 | ||||||
| 484 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 05:19 | 2026-06-09 11:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9576111 | ||||||
| 485 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 04:18 | 2026-06-09 14:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9575509 | ||||||
| 486 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-04 14:47 | 2026-06-09 10:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9566084 | ||||||
| 486 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-06-04 15:39 | 2026-06-04 15:39 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived--As per guide property should not be listed within 6 months when the transaction is cash-out refinance. -Exception form provided to proceed with loan as property was listed for sale within 6 months -Approved Condition :- [Redacted] Max -Exception from on page no 16 of 172. - Due Diligence Vendor-06/04/2026 |
Waived--As per guide property should not be listed within 6 months when the transaction is cash-out refinance. -Exception form provided to proceed with loan as property was listed for sale within 6 months -Approved Condition :- [Redacted] Max -Exception from on page no 16 of 172. - Due Diligence Vendor-06/04/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9567429 | |||||
| 487 | D | A | D | A | A | A | A | A | Closed | FCRE9651 | 2026-06-04 12:24 | 2026-06-09 10:14 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Amortization Schedule missing from Closing Package. | Resolved-now present - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please see the Amortization Schedule. - Buyer-06/09/2026 Open-Amortization Schedule is 'Missing'from the Closing Package. Amortization Schedule document missing in file - Due Diligence Vendor-06/04/2026 |
Resolved-now present - Due Diligence Vendor-06/09/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9562388 | |||||
| 487 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 12:09 | 2026-06-05 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9562150 | ||||||
| 488 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 08:44 | 2026-06-09 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9580125 | ||||||
| 488 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-05 10:36 | 2026-06-05 10:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide minimum Loan Amount is [Redacted] Exception is provided to proceed the loan with Loan Amount <[Redacted] Exception is on pg 115 of 210 Approved With Conditions [Redacted], 0.5 to price. DSCR > 1 required - Due Diligence Vendor-06/05/2026 |
Waived-As per guide minimum Loan Amount is [Redacted] Exception is provided to proceed the loan with Loan Amount <[Redacted] Exception is on pg 115 of 210 Approved With Conditions [Redacted], 0.5 to price. DSCR > 1 required - Due Diligence Vendor-06/05/2026 |
No credit events past 40 months, 5+ years credit history, Credit score >40 points than minimum required. | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9584287 | |||||
| 489 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-04 14:41 | 2026-06-09 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/04/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9565969 | ||||||
| 489 | D | B | D | B | A | A | A | A | Closed | FCRE1158 | 2026-06-04 15:53 | 2026-06-09 07:51 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Hazard Insurance Policy Partially Provided *As per guide insurance does not allow ACV *Exception form is provided to allow Insurance w/o RCE *Approved Conditions 0.25 to price *Exception Form is on pg no 7 of 107 - Due Diligence Vendor-06/04/2026 |
Waived-Hazard Insurance Policy Partially Provided *As per guide insurance does not allow ACV *Exception form is provided to allow Insurance w/o RCE *Approved Conditions 0.25 to price *Exception Form is on pg no 7 of 107 - Due Diligence Vendor-06/04/2026 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months, coverage 800k and LA only 165k | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9567776 | |||||
| 489 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-06-04 15:49 | 2026-06-04 15:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements *As per guide one late payment is not allowed in the past year *Exception form is provided to allow 1x30 late on sept 2025 *Approved Conditions [Redacted] max, 0.5 to price *Exception Form is on pg. no 6 of 107 - Due Diligence Vendor-06/04/2026 |
Waived-Housing History Does Not Meet Guideline Requirements *As per guide one late payment is not allowed in the past year *Exception form is provided to allow 1x30 late on sept 2025 *Approved Conditions [Redacted] max, 0.5 to price *Exception Form is on pg. no 6 of 107 - Due Diligence Vendor-06/04/2026 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9567713 | |||||
| 490 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-07 13:09 | 2026-06-10 09:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-loan size does not meet minimum requirement, lender waived - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-Audited loan amount $[Redacted] is less than Guideline Minimum loan amount [Redacted]. Subject property type is mixed-use. - Due Diligence Vendor-06/07/2026 |
Waived-loan size does not meet minimum requirement, lender waived - Due Diligence Vendor-06/10/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9595703 | ||||
| 490 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 07:24 | 2026-06-09 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9577920 | ||||||
| 491 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-06-07 11:46 | 2026-06-11 11:02 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR is now within Tolerance - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see the tax bill, [Redacted] paid. - Buyer-06/11/2026 Open-Calculated DSCR 1.199 not matching with originator DSCR 1.186 with variance 0.013. Supporting document requested for tax amount as it is not matching with 1008. DSCR Calculation: Rent amount $ [Redacted] =1.199 - Due Diligence Vendor-06/07/2026 |
Resolved-DSCR is now within Tolerance - Due Diligence Vendor-06/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9595695 | |||||
| 491 | D | B | D | B | A | A | A | A | Closed | FCRE1152 | 2026-06-07 11:39 | 2026-06-11 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax bill - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see the tax bill, [Redacted] paid. - Buyer-06/11/2026 Open-Missing Evidence of Property Tax Calculated Tax amount 557.36 not matching with $Tax amount $[Redacted] in 1008. Please provide supporting document to verify additional tax amount. States Tax $[Redacted] reflecting in Final CD Page #264_[Redacted] Credit package 1.pdf but not matching with 1008. - Due Diligence Vendor-06/07/2026 |
Resolved-Received tax bill - Due Diligence Vendor-06/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9595690 | |||||
| 491 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 07:21 | 2026-06-09 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9577874 | ||||||
| 491 | D | B | D | B | A | A | A | A | Closed | FCRE2840 | 2026-06-05 09:32 | 2026-06-07 10:42 | Waived | 2 - Non-Material | B | B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived- First lien [Redacted] does not report on credit page #101_[Redacted] Credit package 2.pdf which is not allowed per Guidelines. However, Exception is in Page #15_[Redacted] Credit package 2.pdf - Due Diligence Vendor-06/05/2026 |
Waived- First lien [Redacted] does not report on credit page #101_[Redacted] Credit package 2.pdf which is not allowed per Guidelines. However, Exception is in Page #15_[Redacted] Credit package 2.pdf - Due Diligence Vendor-06/05/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #101_[Redacted] Credit package 2.pdf 3. 5+ years credit history - Oldest tradeline date is 03/01/2001 is not within 5 years from closing date. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9581977 | |||||
| 492 | D | A | D | A | A | A | A | A | Closed | FCRE1151 | 2026-06-04 19:32 | 2026-06-09 10:16 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-per appr has not transferred in 36 mo - Due Diligence Vendor-06/09/2026 Ready for Review-Per page 6 of the appraisal PDF, the subject has not transferred in the last 36 months. Please review. - Buyer-06/09/2026 Counter-chain of title is required and missing. we cannot determine flip dates (if a flip depends on when acquired by seller and for how much) if no date seller acquired is present. this is required. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Chain of title is not required as this is a purchase. Title uploaded again. - Buyer-06/08/2026 Open-Unsatisfactory Chain of Title provided - Missing Chain of Title date for Seller - Due Diligence Vendor-06/05/2026 |
Resolved-per appr has not transferred in 36 mo - Due Diligence Vendor-06/09/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9571079 | |||||
| 492 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 18:57 | 2026-06-05 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9570903 | ||||||
| 493 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 07:06 | 2026-06-09 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9577647 | ||||||
| 493 | D | B | D | B | A | A | A | A | Closed | FCRE7415 | 2026-06-05 07:54 | 2026-06-09 15:16 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Personal Bank Statement Program does not allow non-borrower account holders | Waived-All parties listed on each bank account must also be borrowers on the loan Exception for mother on bank statements Approved with conditions of 0.125 to price Waiver on page 33 of 161 - Due Diligence Vendor-06/05/2026 |
Waived-All parties listed on each bank account must also be borrowers on the loan Exception for mother on bank statements Approved with conditions of 0.125 to price Waiver on page 33 of 161 - Due Diligence Vendor-06/05/2026 |
Revolving debt is under 30% = 5.7% No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history =08/12/2010 No consumer late payments in the last 24 months =No Consumer late payments in past 24 months, per CBR Page #784 Credit score >40 points than minimum required = 784 min 720 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9578354 | |||||
| 493 | D | B | D | B | A | A | A | A | Closed | FCRE1317 | 2026-06-05 07:52 | 2026-06-09 15:16 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Business formation only 18 months ago Approved with conditions of [Redacted] Max, 0.25 to price Waiver on page 32 of 161 - Due Diligence Vendor-06/05/2026 |
Waived-Business formation only 18 months ago Approved with conditions of [Redacted] Max, 0.25 to price Waiver on page 32 of 161 - Due Diligence Vendor-06/05/2026 |
Revolving debt is under 30% = 5.7% No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history =08/12/2010 No consumer late payments in the last 24 months =No Consumer late payments in past 24 months, per CBR Page #784 Credit score >40 points than minimum required = 784 min 720 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9578308 | |||||
| 494 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 04:01 | 2026-06-09 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9575339 | ||||||
| 495 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-06-05 05:48 | 2026-06-15 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2026 Resolved-now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please see the Master policy. - Buyer-06/10/2026 Open-Missing Master Condo Insurance Policy Please Provide Master Condo Insurance Policy. Subject condo is not detached and more than 10 units per Appraisal Report in Page #229 - Due Diligence Vendor-06/05/2026 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2026 Resolved-now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9576421 | |||||
| 495 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-05 06:15 | 2026-06-15 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/15/2026 Resolved-binder number now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see the policy # is [Redacted]. - Buyer-06/11/2026 Open- - Due Diligence Vendor-06/10/2026 Open-Policy number Pending in provided Hazard Insurance document in page #489. Please provide updated and completed document. Subject condo is not detached and more than 10 units per Appraisal Report in Page #229 - Due Diligence Vendor-06/05/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/15/2026 Resolved-binder number now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9576729 | |||||
| 495 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 04:48 | 2026-06-09 15:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9575807 | ||||||
| 496 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-05 08:56 | 2026-06-09 10:16 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender is ok with TPR DTI as is within tolerance - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please review uploaded revised 1008.DTI is with in 3% tollerance. - Buyer-06/08/2026 Counter-we are counting full PITIA of exiting property against borrower. DTI is 8.02% we counted second home as liability. but since exit property has no rents to offset, we include full payment. - Due Diligence Vendor-06/08/2026 Ready for Review-DTI is correct,no rental income was used for qualification .Mortgage statement for second home was added to the liabilities,no need to add a negative rent amount to DTI. - Buyer-06/05/2026 Open-DTI is 4.29%. Should be 8.02%. Lender did not include any of the negative rent into DTI. [Redacted] Asset Income = 8.02%. - Due Diligence Vendor-06/05/2026 |
Resolved-lender is ok with TPR DTI as is within tolerance - Due Diligence Vendor-06/09/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9580367 | |||||
| 496 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 08:03 | 2026-06-05 12:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9578504 | ||||||
| 497 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-04 22:36 | 2026-06-09 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9571629 | ||||||
| 498 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-05 08:18 | 2026-06-05 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/05/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9578883 | ||||||
| 498 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-06-05 09:58 | 2026-06-05 12:54 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Per Guide : More than 2 vacancies not allowed on multi unit Exception form provided to allow for 3 vacant units Exception form page#73 of 77 Approved With Conditions: [Redacted] max, 0.25 to price - Due Diligence Vendor-06/05/2026 |
Waived-Per Guide : More than 2 vacancies not allowed on multi unit Exception form provided to allow for 3 vacant units Exception form page#73 of 77 Approved With Conditions: [Redacted] max, 0.25 to price - Due Diligence Vendor-06/05/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9583191 | |||||
| 499 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-08 10:03 | 2026-06-16 06:41 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-1008 now reflects 24.88 - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/15/2026 Counter-The uploaded comment increased the difference - now reporting 25.63% ddti when lender had 19.01 - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Negative rent is $[Redacted] as rental is $[Redacted] and 1st lien is $[Redacted]- Buyer-06/10/2026 Open-*DTI is off by 5.787% DTI should be 24.88%. Approval is 19.01%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted] /Income of $[Redacted]= 24.88% Reason: unable to find how Lender has considered DTI of 19.104% - Due Diligence Vendor-06/08/2026 |
Resolved-1008 now reflects 24.88 - Due Diligence Vendor-06/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9608342 | |||||
| 499 | D | A | D | A | A | A | A | A | Closed | FCRE1317 | 2026-06-10 10:33 | 2026-06-11 15:07 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Underwriting excepted 1 year of proof of employment - Due Diligence Vendor-06/11/2026 Ready for Review-For Non-QM 1099 income, a full 24-month employment history is not required - eligibility is primarily based on at least 12 months - Buyer-06/10/2026 Open-Employment history provided on pg #139 is less than 24 months - Due Diligence Vendor-06/10/2026 |
Resolved-Underwriting excepted 1 year of proof of employment - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9659279 | ||||||
| 499 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 08:06 | 2026-06-10 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9605100 | ||||||
| 500 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 03:41 | 2026-06-09 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9600036 | ||||||
| 501 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-08 06:24 | 2026-06-10 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9602664 | ||||||
| 501 | D | B | D | B | A | A | A | A | Closed | FCRE8459 | 2026-06-08 12:43 | 2026-06-08 12:44 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Waived-CPA letter missing in file to verify borrower's ownership % in signed LLC. However, verified the same from document in page #14[Redacted] 2.pdf. Borrower owns 100% ownership and related exception is in Page #39[Redacted] 2.pdf - Due Diligence Vendor-06/08/2026 | Waived-CPA letter missing in file to verify borrower's ownership % in signed LLC. However, verified the same from document in page #14[Redacted] 2.pdf. Borrower owns 100% ownership and related exception is in Page #39[Redacted] 2.pdf - Due Diligence Vendor-06/08/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments per Credit Report in Page #241- [Redacted].pdf 3. 5+ years credit history - Oldest tradeline date 11/01/2004 more than 5 years from closing date per credit report in page #241- [Redacted].pdf 4. No consumer late payments in the last 24 months - No consumer late payments in last 24 months per Credit Report in Page #241- [Redacted].pdf. Last late payment is on 12/2019. 5. Credit score >40 points than minimum required - Audited FICO 755 and minimum FICO 68 with difference 75 which is more than 40. 6. Reserves >6 months - Calculated reserves 7.86 is more than 6 months. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9613378 | |||||
| 502 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-07 22:02 | 2026-06-10 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9596490 | ||||||
| 503 | D | B | D | B | A | A | A | A | Closed | FCRE1317 | 2026-06-05 14:23 | 2026-06-16 06:53 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-business opened less than 2 year. Lender waived as has history in same line of work and is documented - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. here you can find an exception form thank you - Buyer-06/15/2026 Counter-we require a waiver. this account letter is not for the business in qt. the business for [Redacted] has been opened less than 2 yrs or have CPA acknowledge this was an expansion - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. please see the attached CPA letter - Buyer-06/12/2026 Counter-the guidelines are specific to the business itself must be open for 2 years (6.6 The borrower’s business used for qualifying purposes must have been in existence for at least two years) we will require waiver as this not a restructure ( as both were opened as corporations) - Due Diligence Vendor-06/10/2026 Ready for Review-We respectfully request reconsideration of this finding. Please see the rebuttal below. The intent of the self-employment guideline is to establish a minimum two-year history of self-employment and business operations. The borrower has been continuously self-employed in the [Redacted] industry since [Redacted], through [Redacted]. The subsequently formed entities, [Redacted] and [Redacted] , represent a continuation and expansion of the borrower's long-standing logistics operations rather than entry into a new line of business. The borrower has maintained continuous ownership and active involvement in the same industry for more than two years. The formation of additional corporate entities was undertaken for business, operational, and/or tax-planning purposes and does not represent the commencement of a new self-employment career or a new business activity. The guideline permits consideration of situations where a business structure changes, provided continuity of ownership and operations can be established. Similar to a sole proprietorship converting to an LLC, the borrower's underlying business activity, industry experience, and self-employment history extend well beyond the required two-year period. - Buyer-06/10/2026 Open-One of borrowers businesses used for qualifying formed less than 24 months ago - Due Diligence Vendor-06/05/2026 |
Waived-business opened less than 2 year. Lender waived as has history in same line of work and is documented - Due Diligence Vendor-06/16/2026 |
10 years or more in the same line of employment, No mortgage late payments in the last 24 months, 5+ years credit history | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9590673 | ||||
| 503 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 13:11 | 2026-06-09 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9588981 | ||||||
| 504 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 00:53 | 2026-06-10 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9597827 | ||||||
| 505 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 506 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 12:38 | 2026-06-09 16:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9588253 | ||||||
| 507 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 10:20 | 2026-06-10 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9583622 | ||||||
| 508 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 14:35 | 2026-06-08 07:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9590975 | ||||||
| 509 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-08 07:03 | 2026-06-09 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9603330 | ||||||
| 509 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-06-08 08:33 | 2026-06-09 04:08 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Subject property type is Multi Family with 5 to 8 units and more than 2 vacant units not allowed whereas subject property is with 3 vacant units per Appraisal Report in Page #162_Credit package 1.pdf. However, Exception is in Page #20_Credit package 2.pdf - Due Diligence Vendor-06/08/2026 |
Waived-Subject property type is Multi Family with 5 to 8 units and more than 2 vacant units not allowed whereas subject property is with 3 vacant units per Appraisal Report in Page #162_Credit package 1.pdf. However, Exception is in Page #20_Credit package 2.pdf - Due Diligence Vendor-06/08/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2.No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#5_Credit package 2.pdf 3. No consumer late payments in the last 24 months - No consumer late payments per Credit Report in page#5_Credit package 2.pdf. Last late payment is on 08/23. 4.Credit score >40 points than minimum required -Audited FICO 728 and Guideline FICO 680 with difference 48 which is greater than 40. 5.DSCR 1.42 - Calculated DSCR 1.433 is more than minimum DSCR 1.1 Subject property type is Multi Family. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9605727 | |||||
| 510 | D | B | D | A | A | A | B | B | Closed | FCRE9991 | 2026-06-08 05:00 | 2026-06-11 09:09 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Updated 1008 shows that credit score matches Tpr - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/11/2026 Open-Calculated FICO Score is 668 as per credit report page #262_[Redacted] Credit package 2.pdf not matching with 1008 page #260_[Redacted] Credit package 2.pdf FICO is 692. Credit report in file does not have 692 as a score - Due Diligence Vendor-06/08/2026 |
Resolved-Updated 1008 shows that credit score matches Tpr - Due Diligence Vendor-06/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9601101 | |||||
| 510 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-08 02:36 | 2026-06-11 09:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 Ready for Review-Good morning, Less than 60 day - Buyer-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9598435 | ||||||
| 510 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-06-08 04:30 | 2026-06-08 05:42 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Subject property listed for sale on [Redacted] for $[Redacted] and listing expired on [Redacted] within 6 months from closing date [Redacted] per Appraisal Report in Page #166_[Redacted] Credit package 1.pdf, which is not allowed for guidelines. however, we have exception in page #81_[Redacted] Credit package 2.pdf. - Due Diligence Vendor-06/08/2026 | Waived-Subject property listed for sale on [Redacted] for $[Redacted] and listing expired on[Redacted] within 6 months from closing date [Redacted] per Appraisal Report in Page #166_[Redacted] Credit package 1.pdf, which is not allowed for guidelines. however, we have exception in page #81_[Redacted] Credit package 2.pdf. - Due Diligence Vendor-06/08/2026 |
1. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #262_[Redacted] Credit package 2.pdf. Last late payment is on 01/2020. 2. 5+ years credit history - Oldest tradeline date is 12/01/1996 is not within 5 years from closing date. 3. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #262_[Redacted] Credit package 2.pdf. Last late payment is on 05/20. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9600425 | |||||
| 510 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-06-08 04:55 | 2026-06-08 05:41 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Subject property is single family detached with one Accessory unit as per Appraisal Report in Page #166_[Redacted] Credit package 1.pdf, which is not allowed per guidelines. however, we have exception in page #83_[Redacted] Credit package 2.pdf. - Due Diligence Vendor-06/08/2026 | Waived-Subject property is single family detached with one Accessory unit as per Appraisal Report in Page #166_[Redacted] Credit package 1.pdf, which is not allowed per guidelines. however, we have exception in page #83_[Redacted] Credit package 2.pdf. - Due Diligence Vendor-06/08/2026 |
1. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #262_[Redacted] Credit package 2.pdf. Last late payment is on 01/2020. 2. 5+ years credit history - Oldest tradeline date is 12/01/1996 is not within 5 years from closing date. 3. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #262_[Redacted] Credit package 2.pdf. Last late payment is on 05/20. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9601040 | |||||
| 511 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-08 11:01 | 2026-06-09 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9610163 | ||||||
| 511 | D | B | D | B | A | A | A | A | Closed | FCRE6696 | 2026-06-08 12:25 | 2026-06-08 12:25 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-The sole prop was originally under the son of our borrower. She took over it last year but was essentially running it as a volunteer for the previous 4 years. She's been in the industry for 10+ years and is essentially the most qualified despite only taking it over the last year. The bank statements also show that the business is healthy under her ownership Pg 23 - Due Diligence Vendor-06/08/2026 |
Waived-The sole prop was originally under the son of our borrower. She took over it last year but was essentially running it as a volunteer for the previous 4 years. She's been in the industry for 10+ years and is essentially the most qualified despite only taking it over the last year. The bank statements also show that the business is healthy under her ownership Pg 23 - Due Diligence Vendor-06/08/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months, Essentially ran the Sole Prop well before taking it over Credit Decision Status & Date of Decision Approved With Conditions 05/21/2026 0.25 to price |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9612883 | |||||
| 511 | D | B | D | B | A | A | A | A | Closed | FCRE1304 | 2026-06-08 12:25 | 2026-06-08 12:25 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Stable business Comments Borrower shows strong ability to repay with consistent deposits averaging ~$[Redacted]/month over the past 12 months and no NSFs. Credit report reflects a clean recent payment history with all accounts paid as agreed and no mortgage or consumer lates. Borrower also has solid experience in the childcare industry and operating her business, supporting stable, ongoing income. - Due Diligence Vendor-06/08/2026 |
Waived-Stable business Comments Borrower shows strong ability to repay with consistent deposits averaging ~$[Redacted]/month over the past 12 months and no NSFs. Credit report reflects a clean recent payment history with all accounts paid as agreed and no mortgage or consumer lates. Borrower also has solid experience in the childcare industry and operating her business, supporting stable, ongoing income. - Due Diligence Vendor-06/08/2026 |
Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months, Bankruptcy Discharge 10/24/2022 Credit Decision Status & Date of Decision Approved With Conditions 05/15/2026 80% LTV MAX & 0.5 to price |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9612860 | |||||
| 512 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-06-05 13:55 | 2026-06-08 13:55 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated dti on tape - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please see updated tape reflecting DTI 46.33. - Buyer-06/08/2026 Open-1008 refer page# 867 & Calculation DTI is 46.33 However tape reading as 47.6 Tape need to be corrected - Due Diligence Vendor-06/05/2026 |
Resolved-lender updated dti on tape - Due Diligence Vendor-06/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9590106 | |||||
| 512 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 10:53 | 2026-06-08 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9585004 | ||||||
| 512 | D | B | D | B | A | A | A | A | Closed | FCRE9806 | 2026-06-05 13:52 | 2026-06-05 13:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Other Credit Finding | Waived-Exception form provided to allow for [Redacted] payment paid by two sources Exception form page#669 Approved With Conditions: [Redacted] Max - Due Diligence Vendor-06/05/2026 |
Waived-Exception form provided to allow for [Redacted] payment paid by two sources Exception form page#669 Approved With Conditions: [Redacted] Max - Due Diligence Vendor-06/05/2026 |
Revolving debt is under 30%, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9590028 | |||||
| 513 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 14:50 | 2026-06-10 08:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9591255 | ||||||
| 514 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-06-08 09:18 | 2026-06-11 14:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Pay history provided proves no 30 day lates - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Good day, The loan was closed before May payment was due, so we only had to verify April payment. The April payment is not a true 30-day late. Per guidelines, we cannot have a 30-day late. This payment was made on the 29th. - Buyer-06/11/2026 Open-Housing History Does Not Meet Guideline Requirements - for Super Prime loans, borrower cannot have mortgage lates within last 12 months prior to note date. Per payoff (page600) and mortgage history (page 597) there was a late payment 5/18/2026. - Due Diligence Vendor-06/08/2026 |
Resolved-Pay history provided proves no 30 day lates - Due Diligence Vendor-06/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9606743 | |||||
| 514 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 07:51 | 2026-06-10 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9604457 | ||||||
| 515 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 14:15 | 2026-06-10 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9590555 | ||||||
| 516 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-06 05:02 | 2026-06-10 11:41 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-updated 1007 now present and lender confirm DSCR is 1.01 - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. The 1007 is reflecting market rent $1950 - Buyer-06/10/2026 Counter-the 1007 we have on file (pg 3) is $[Redacted] - Due Diligence Vendor-06/10/2026 Ready for Review-As per 1007,market rent is $[Redacted] . DSCR calculation $[Redacted]=1.0098 - Buyer-06/09/2026 Open-Lender DSCR = 1.01 based on $[Redacted] rent, per 1008. Should be 0.95.81%. Based on 1007, page 3, the gross rent is $[Redacted] monthly. [Redacted] = 95.81% - Due Diligence Vendor-06/06/2026 |
Resolved-updated 1007 now present and lender confirm DSCR is 1.01 - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9595270 | |||||
| 516 | D | A | D | A | A | A | A | A | Closed | FCRE1728 | 2026-06-08 06:14 | 2026-06-10 11:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-updated 1007 now present and lender confirm DSCR is 1.01 - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please review uploaded revised appraisal - Buyer-06/10/2026 Open-address on 1007 says unit 100 not 115 - Due Diligence Vendor-06/08/2026 |
Resolved-updated 1007 now present and lender confirm DSCR is 1.01 - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9602509 | |||||
| 516 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-06 04:18 | 2026-06-08 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9595268 | ||||||
| 517 | D | A | D | A | A | A | A | A | Closed | FCRE9994 | 2026-06-05 16:22 | 2026-06-24 13:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Resolved-lender has a 5k rule for rate and term and they confirmed they reduced ltv by 5% and credit score supports. this is acceptable - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. This is a rate-and-term transaction. The value limitation applies only to cash-out transactions. The requirements for a rate-and-term refinance are as follows - Buyer-06/24/2026 Counter-still require exception to use appr value. per guidelines this is cash out less than 6 months, so use for value, The maximum CLTV for such transactions must be calculated based on the lower of: § The current appraised value, or The original purchase price plus documented improvements completed after acquisition. Borrower acquired in Feb for $[Redacted], this is less than appraisal - Due Diligence Vendor-06/22/2026 Ready for Review-This is not the 2nd appraisal, this is the same report, but the appraised Value was increased after the ROV was completed. - Buyer-06/22/2026 Open-We have 2 Appraisal in file once with Apprised value as $[Redacted] and 2nd with $[Redacted]and Lender used higher Apprised value instead of Lower value for LTV calculation and also this cash-out seasoning with in 6 month if we use prior sale price LTV goes up to [Redacted]% and if we use Lower Apprised value $[Redacted] LTV is going up to [Redacted]% which is outside guideline. refer page no 597, 643 of 770 - Due Diligence Vendor-06/05/2026 |
Resolved-lender has a 5k rule for rate and term and they confirmed they reduced ltv by 5% and credit score supports. this is acceptable - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9593112 | |||||
| 517 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-05 14:44 | 2026-06-10 08:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9591156 | ||||||
| 518 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 07:19 | 2026-06-10 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9603616 | ||||||
| 519 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 07:08 | 2026-06-10 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9603432 | ||||||
| 520 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-08 04:51 | 2026-06-15 13:39 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited loan amount $[Redacted] is less than required minimum guideline loan amount [Redacted], however we have exception in page#41_[Redacted] Credit package 2.pdf - Due Diligence Vendor-06/08/2026 | Waived-Audited loan amount $[Redacted] is less than required minimum guideline loan amount [Redacted], however we have exception in page#41_[Redacted] Credit package 2.pdf - Due Diligence Vendor-06/08/2026 |
5+ years credit history, Reserves >6 months, Credit score >39 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9600647 | |||||
| 520 | D | B | D | B | A | A | A | A | Closed | FCRE8800 | 2026-06-08 05:07 | 2026-06-15 13:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-new comp factors now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/15/2026 Open-Exception in Page #41_[Redacted] Credit package 2.pdf has only 2 valid compensating factors that are in line with file. Please provide additional valid Compensating factors to consider the Exception document. Below are invalid Comp Factors - 1. Credit score >40 points than minimum required - Guideline Min FICO 700 and Qualifying FICO 739 variance is 39 < 40 points. 2. 5 years on current job - Unable to verify employment history of borrower as it is DSCR file 3. requesting exception to move forward with [Redacted] @ $[Redacted] loan - Not considered as comp factor as it is exception. - Due Diligence Vendor-06/08/2026 |
Resolved-new comp factors now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9601215 | |||||
| 520 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-08 03:07 | 2026-06-10 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9598547 | ||||||
| 521 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-08 10:26 | 2026-06-10 11:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9608991 | ||||||
| 521 | D | B | D | A | A | A | B | B | Closed | FPRO1249 | 2026-06-08 12:19 | 2026-06-10 11:40 | Waived | 2 - Non-Material | B | B | Property | Property | Neighborhood Location Not Allowed for Program | Waived-As per the guide the neighborhood area must be at least 25% built-up & rural zoning is not allowed Exception form provided to proceed with rural less than 25% built up. Approved With Conditions 0.25 to price, flip to condotels Exception form page no 34 of 125 - Due Diligence Vendor-06/08/2026 |
Waived-As per the guide the neighborhood area must be at least 25% built-up & rural zoning is not allowed Exception form provided to proceed with rural less than 25% built up. Approved With Conditions 0.25 to price, flip to condotels Exception form page no 34 of 125 - Due Diligence Vendor-06/08/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 9612699 | |||||
| 522 | D | A | D | A | C | A | A | A | Closed | 50001251-Fees-Limited | 2026-06-07 18:02 | 2026-06-10 08:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Loan Estimate and Change of Circumstance provided is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Ready for Review-The LE and COC were uploaded to the sam econdition posted below - Seller-06/09/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Completion Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Appraisal Completion Report Fee and Loan Discount Point Fee were added to CD [Redacted] without a Change of Circumstance. it appears we are missing a Disclosure dated [Redacted]according to the Change of Circumstance in file dated [Redacted]. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-The LE and COC were uploaded to the sam econdition posted below - Seller-06/09/2026 |
Resolved-Loan Estimate and Change of Circumstance provided is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9596353 | |||||
| 522 | D | A | D | A | C | A | A | A | Closed | 50001252-Fees-Limited | 2026-06-07 18:02 | 2026-06-10 08:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-This is acceptable. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please review uploaded LE 05/05/2026 and COC - Seller-06/09/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Completion Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Appraisal Completion Report Fee and Loan Discount Point Fee were added to CD [Redacted] without a Change of Circumstance. it appears we are missing a Disclosure dated [Redacted] according to the Change of Circumstance in file dated [Redacted]. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. Please review uploaded LE 05/05/2026 and COC - Seller-06/09/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9596354 | ||||
| 522 | D | A | D | A | C | A | A | A | Closed | FCRE1319 | 2026-06-07 09:08 | 2026-06-10 08:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-2 yrs transcripts now present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. The 1040's and w-2 transcipts for 2024&2025 were on file and re-uploaded for your reference - Buyer-06/09/2026 Open-There are two years irs transcripts with w2's and 1099s for 2024. There is no 2025 income verification in file. 2024 and 2025 1040's appear to be missing. At minimum, the 2025 1040's are missing to match to the Transcript -page 26 - Income is low in 2025 and appears most income came from IRA distribution which would then require an explanation for gap and/or decrease in income for 2025. - Due Diligence Vendor-06/07/2026 |
Resolved-2 yrs transcripts now present - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9595664 | |||||
| 522 | D | A | D | A | C | A | A | A | Closed | FCRE1332 | 2026-06-07 08:59 | 2026-06-10 08:11 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-there is no updated stub since borrower just started - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. We had the employment letter on file and most recent paystub - Buyer-06/09/2026 Open-Borrower 1 Paystubs Less Than 1 Month Provided Bwr started new employment 04/01/2026 - PS dated 04/15/2026. No previous ps in file. - Due Diligence Vendor-06/07/2026 |
Resolved-there is no updated stub since borrower just started - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9595662 | |||||
| 522 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-07 08:41 | 2026-06-09 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/07/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9595652 | ||||||
| 523 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2026-06-08 04:34 | 2026-06-11 09:17 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received ucc score and its supports value - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/11/2026 Open-Please provide Secondary Valuation document as it is missing in file - Due Diligence Vendor-06/08/2026 |
Resolved-Received ucc score and its supports value - Due Diligence Vendor-06/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9600468 | |||||
| 524 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-06 05:53 | 2026-06-10 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Refinance | Cash Out - Other | N/A | N/A | 9595271 | ||||||
| 525 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 11:37 | 2026-06-10 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9611288 | ||||||
| 526 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-08 09:46 | 2026-06-10 15:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9607572 | ||||||
| 526 | D | B | D | B | A | A | A | A | Closed | FCRE1304 | 2026-06-08 10:29 | 2026-06-10 14:58 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Waived-As per guide, Stable monthly income is the borrower's verified gross monthly income from all acceptable and verifiable sources that can reasonably be expected to continue. *Exception form is provided to allow declining overtime income *Approved Conditions: [Redacted] MAX & 0.25 to price *Exception form is on page # 1 of 235, paystubs page 209 of 235 - Due Diligence Vendor-6/8/2026 - Due Diligence Vendor-06/08/2026 |
Waived-Waived-As per guide, Stable monthly income is the borrower's verified gross monthly income from all acceptable and verifiable sources that can reasonably be expected to continue. *Exception form is provided to allow declining overtime income *Approved Conditions: [Redacted] MAX & 0.25 to price *Exception form is on page # 1 of 235, paystubs page 209 of 235 - Due Diligence Vendor-6/8/2026 - Due Diligence Vendor-06/08/2026 |
5 years on current job = 24.23 years on job Residual income >=3000$ = N/A - investment loan 10 years or more in the same line of employment = 24 years No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months 5+ years credit history = No mortgage late payments in past 24 months per CBR Page #188 Credit score >40 points than minimum required = fin fico 742 min 660 Borrower contribution exceeds requirement >=5% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9609070 | |||||
| 527 | D | A | D | A | C | A | A | A | Closed | 27830-33820 | 2026-06-08 09:32 | 2026-06-15 08:09 | Resolved | 1 - Information | C | A | Compliance | Broker:LimitFees | [Redacted] - Max Broker Fees (RLBSA) | Resolved-lender has addressed the fees are deemed reasonable - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Good day, [Redacted] regulation does not limit the compensation to 2%; it requires the compensation to be reasonable. 3% is widely industry acceptable. Attached is LOE from Broker. - Buyer-06/12/2026 Open-The total of all fees paid by the borrower to the broker ($[Redacted]) exceeds 2% of the loan amount ($[Redacted]). The [Redacted] Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. ([Redacted] Code Ann. 47-14-113(c); [Redacted] ADC 0180-17-.07(2)) . - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-lender has addressed the fees are deemed reasonable - Due Diligence Vendor-06/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9607086 | |||||
| 527 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-08 08:40 | 2026-06-10 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9605858 | ||||||
| 528 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-06-08 14:22 | 2026-06-11 14:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/11/2026 Resolved-Received prelim title - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-Title Document is missing missing - Due Diligence Vendor-06/08/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/11/2026 Resolved-Received prelim title - Due Diligence Vendor-06/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9616081 | |||||
| 528 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 13:48 | 2026-06-10 11:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9615226 | ||||||
| 529 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 07:51 | 2026-06-09 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9604462 | ||||||
| 530 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-06-05 16:29 | 2026-06-10 11:42 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated to reflect 1.228 - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. please see the attached documents - Buyer-06/10/2026 Open-*DSCR score should be 1.228 Lender score is 1.233 -Document in file 1007 pg. no 489 rent $[Redacted] *75%= $[Redacted], no other doc in file to support rent income considered by lender -DSCR score should be Rent / PITIA $[Redacted]= 1.228 -unable to identify how lender considered the rent - Due Diligence Vendor-06/05/2026 |
Resolved-score updated to reflect 1.228 - Due Diligence Vendor-06/10/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9593224 | |||||
| 530 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-05 14:36 | 2026-06-10 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/05/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9590979 | ||||||
| 530 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-06-05 16:15 | 2026-06-10 07:47 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-*Exception form is provided to reat this as a normal cash-out refinance instead of delayed financing because if we follow delayed financing requirements that would mean that we need to pay down the other mortgage instead of the borrower getting the funds from the cash out refinance. *Exception form is on 89 of 121 *Approved with condition 0.25 to price - Due Diligence Vendor-06/05/2026 |
Waived-*Exception form is provided to reat this as a normal cash-out refinance instead of delayed financing because if we follow delayed financing requirements that would mean that we need to pay down the other mortgage instead of the borrower getting the funds from the cash out refinance. *Exception form is on 89 of 121 *Approved with condition 0.25 to price - Due Diligence Vendor-06/05/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9592860 | |||||
| 530 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-05 16:19 | 2026-06-10 07:44 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide minimum Loan Amount is [Redacted] Exception is provided to allow [Redacted] LA Exception form is on 90 of 121 Approved with condition [Redacted] max & 0.25 to price - Due Diligence Vendor-06/05/2026 |
Waived-As per guide minimum Loan Amount is [Redacted] Exception is provided to allow [Redacted] LA Exception form is on 90 of 121 Approved with condition [Redacted] max & 0.25 to price - Due Diligence Vendor-06/05/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9593067 | |||||
| 531 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 09:30 | 2026-06-09 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9607024 | ||||||
| 532 | D | A | D | A | A | A | A | A | Closed | FCRE3876 | 2026-06-08 07:35 | 2026-06-19 07:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title E&O Policy Missing or Expired | Resolved-proof thru 9/1/2026 now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Effective Dates: 06/01/2025 - 09/01/2026, please see the attached file and snip - Buyer-06/18/2026 Open-Title O&E Policy is Missing or Expired Expired 06/01/2026 - Note date is 06/04/2026. Page 1&29 - Due Diligence Vendor-06/08/2026 |
Resolved-proof thru 9/1/2026 now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9603974 | |||||
| 532 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 07:27 | 2026-06-10 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9603773 | ||||||
| 533 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-08 09:23 | 2026-06-11 14:32 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received FNMA cu score and supports value - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-AVM available on page 518 of 570 is not supporting the appraised value - Due Diligence Vendor-06/08/2026 |
Resolved-Received FNMA cu score and supports value - Due Diligence Vendor-06/11/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9606832 | |||||
| 533 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-08 08:07 | 2026-06-10 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9605145 | ||||||
| 534 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 08:24 | 2026-06-10 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9605536 | ||||||
| 535 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-06 14:05 | 2026-06-10 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9595414 | ||||||
| 536 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 11:22 | 2026-06-10 15:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9610756 | ||||||
| 537 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 05:46 | 2026-06-10 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9602134 | ||||||
| 538 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-06 11:46 | 2026-06-10 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/06/2026 |
Resolved-Correspondant Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9595354 | ||||||
| 539 | D | A | D | A | A | A | D | A | Closed | FCRE1252 | 2026-06-08 09:55 | 2026-06-12 09:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please find the attached file - Buyer-06/12/2026 Open-Title Document is Incomplete Only Sch A, single page, is present. Page 26 of 80. - Due Diligence Vendor-06/08/2026 |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-06/12/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9608114 | |||||
| 539 | D | A | D | A | A | A | D | A | Closed | FPRO1244 | 2026-06-08 10:03 | 2026-06-11 09:25 | Resolved | 1 - Information | D | A | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Resolved-Received AVM and it supports value - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-No SSR or AVM in File - Due Diligence Vendor-06/08/2026 |
Resolved-Received AVM and it supports value - Due Diligence Vendor-06/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9608339 | |||||
| 539 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-08 09:38 | 2026-06-10 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9607183 | ||||||
| 540 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-08 10:23 | 2026-06-10 16:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9608835 | ||||||
| 540 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-06-08 12:00 | 2026-06-08 12:00 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived--As per guide property should not be listed for sale within 6 months when the transaction is cash-out -Exception form provided to proceed with loan property was listed for sale -Exception form is on page no 7 of 102. -Approved Condition :- 0.25 to Price , [Redacted] Max - Due Diligence Vendor-06/08/2026 |
Waived--As per guide property should not be listed for sale within 6 months when the transaction is cash-out -Exception form provided to proceed with loan property was listed for sale -Exception form is on page no 7 of 102. -Approved Condition :- 0.25 to Price , [Redacted] Max - Due Diligence Vendor-06/08/2026 |
5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history. | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9612083 | |||||
| 541 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 10:23 | 2026-06-11 07:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9608837 | ||||||
| 542 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-08 11:39 | 2026-06-11 08:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9611354 | ||||||
| 542 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-06-08 13:05 | 2026-06-08 13:17 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-Exception for 8 NSFs last 12 months Approved with conditions of [Redacted] MAX & 0.25 to price Waiver on page 38 of 150 - Due Diligence Vendor-06/08/2026 |
Waived-Exception for 8 NSFs last 12 months Approved with conditions of [Redacted] MAX & 0.25 to price Waiver on page 38 of 150 - Due Diligence Vendor-06/08/2026 |
5 years on current job, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9614018 | |||||
| 543 | D | A | D | A | A | A | A | A | Closed | FCRE6843 | 2026-06-09 06:34 | 2026-06-15 08:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-lender used an alt method to verify sole prop. TPR accepts the bank institution as verification - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. The [Redacted] statement explicitly lists the entity structure as "[Redacted]" (Sole Proprietorship) doing business as (DBA) [Redacted]. - Buyer-06/12/2026 Open-There is an business asset document in page # 231 of Credit Package 1.pdf but there are no suppoting documents to verify the borowers %, please provide supporting document to verify the same, as per now we consider the asset document to met the reserves - Due Diligence Vendor-06/09/2026 |
Resolved-lender used an alt method to verify sole prop. TPR accepts the bank institution as verification - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9627031 | |||||
| 543 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 04:47 | 2026-06-11 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9624405 | ||||||
| 544 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 07:11 | 2026-06-11 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9627417 | ||||||
| 545 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-09 09:18 | 2026-06-11 14:23 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Lender is fine with TPR calc due to it being within Tolerance - Due Diligence Vendor-06/11/2026 Ready for Review-DTI is within tollerance - Buyer-06/10/2026 Open-DTI should be 44.08. Lender didnt count the new payment of REO for [Redacted] HELOC of $[Redacted] (See statement pg 64 and asset pg 97 shows borrower withdrew 100k from [Redacted] Credit line). This was not accounted for in REO income. REO Income is $[Redacted]/ mo not $[Redacted]. Need updated DTI - Due Diligence Vendor-06/09/2026 |
Resolved-Lender is fine with TPR calc due to it being within Tolerance - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629733 | ||||||
| 545 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2026-06-09 09:13 | 2026-06-11 14:22 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received proof of cancel checks - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please review uploaded checks - Buyer-06/10/2026 Open-Income and Employment Do Not Meet Guidelines missing copy of 2 months cancelled checks for new lease on rental property. need 2 months cancelled checks for using lease income to offset mtg payment - Due Diligence Vendor-06/09/2026 |
Resolved-Received proof of cancel checks - Due Diligence Vendor-06/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629647 | |||||
| 545 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:44 | 2026-06-10 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629120 | ||||||
| 546 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 22:29 | 2026-06-10 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9619974 | ||||||
| 547 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 01:16 | 2026-06-11 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9622210 | ||||||
| 548 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 13:53 | 2026-06-10 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9615330 | ||||||
| 549 | D | A | D | A | A | A | A | A | Closed | FCRE8459 | 2026-06-09 10:32 | 2026-06-17 08:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Resolved-TPR has requested proof of ownership. Lender is accepting this as proof, borrower only name listed as registered agent and authorized user. Based on their acceptance, TPR is accepting their review and lender comments resolve - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Only borrower is listed in the articles per the guides that is acceptable - borrower is the only person listed in all of the documents. - Buyer-06/17/2026 Counter-registered agent is not owner. this finding is valid. - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see the Articles of Organization, pulled from state site- only borrower listed. - Buyer-06/12/2026 Open-missing % owned. Articles only show borrower as registered agent, this does not prove ownership - Due Diligence Vendor-06/09/2026 |
Resolved-TPR has requested proof of ownership. Lender is accepting this as proof, borrower only name listed as registered agent and authorized user. Based on their acceptance, TPR is accepting their review and lender comments resolve - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9631908 | |||||
| 549 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 10:16 | 2026-06-11 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9631633 | ||||||
| 550 | D | B | D | A | A | A | B | B | Closed | FCRE2109 | 2026-06-10 16:23 | 2026-06-11 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received income calc worksheets - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. please see the attached income calculations - Buyer-06/11/2026 Open-Program type is 12 month bank statement program however Income calculation Sheet document is missing for both the borrowers - Due Diligence Vendor-06/10/2026 |
Resolved-Received income calc worksheets - Due Diligence Vendor-06/11/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9673352 | |||||
| 550 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-08 11:14 | 2026-06-10 16:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9610615 | ||||||
| 550 | D | B | D | A | A | A | B | B | Closed | FVAL4036 | 2026-06-08 13:15 | 2026-06-08 14:29 | Waived | 2 - Non-Material | B | B | Property | Property | Flip or Rapid Resale of Property | Waived-As per guide for Flip transaction 2 appraisal is required Exception is provided to waive 2nd Appraisal Approved Conditions : 0.25 to price. Ok to waive 2nd full appraisal if at least one eligible form of supporting secondary valuation is provided Exception Form page no 20 of 164 - Due Diligence Vendor-06/08/2026 |
Waived-As per guide for Flip transaction 2 appraisal is required Exception is provided to waive 2nd Appraisal Approved Conditions : 0.25 to price. Ok to waive 2nd full appraisal if at least one eligible form of supporting secondary valuation is provided Exception Form page no 20 of 164 - Due Diligence Vendor-06/08/2026 |
Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, Borrower contribution exceeds requirement >=5% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9614213 | |||||
| 551 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 07:29 | 2026-06-11 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9627601 | ||||||
| 552 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 13:00 | 2026-06-11 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9613909 | ||||||
| 553 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 13:13 | 2026-06-10 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9614148 | ||||||
| 554 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-09 13:25 | 2026-06-11 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9637488 | ||||||
| 554 | D | B | D | B | A | A | A | A | Closed | FCRE2828 | 2026-06-09 15:36 | 2026-06-10 03:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan Modification and Program Does Not Allow This | Waived-*As per guide there should be no credit event like modifications in past 48 months *Exception is provided to proceed the loan with modifications in past 48 months *Exception is on pg 12 of 125 *Approved With Conditions [Redacted] MAX & 0.5 to price - Due Diligence Vendor-06/09/2026 |
Waived-*As per guide there should be no credit event like modifications in past 48 months *Exception is provided to proceed the loan with modifications in past 48 months *Exception is on pg 12 of 125 *Approved With Conditions [Redacted] MAX & 0.5 to price - Due Diligence Vendor-06/09/2026 |
*Residual income >=3000$, 5+ years credit history, LTV 10% below maximum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9641244 | |||||
| 555 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 15:23 | 2026-06-11 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9617216 | ||||||
| 556 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-06-09 07:17 | 2026-06-15 08:23 | Waived | 2 - Non-Material | C | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-exceeds max NSFS for program lender waived. - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/12/2026 Open-Per GL -If there are zero (0) occurrences in the most recent three-month period, maximum of 6 NSFs occurrences in the most recent 12-month period are allowed. Page 121 Bank stmt worksheet, acct #[Redacted], reflects 10 NSFs with 0 in last 3, which is still out of guides. - Due Diligence Vendor-06/09/2026 |
Waived-exceeds max NSFS for program lender waived. - Due Diligence Vendor-06/15/2026 |
5 years on current job, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum, two income sources Credit Decision Status & Date of Decision Approved With Conditions 04/27/2026 60% CLTV max, 0.5 to price |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9627468 | ||||
| 556 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-09 06:31 | 2026-06-11 11:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9627009 | ||||||
| 557 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:29 | 2026-06-11 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9628671 | ||||||
| 558 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 12:57 | 2026-06-10 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9613839 | ||||||
| 559 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 05:13 | 2026-06-11 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9624634 | ||||||
| 560 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:08 | 2026-06-11 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9628233 | ||||||
| 561 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 09:07 | 2026-06-11 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629548 | ||||||
| 562 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 05:58 | 2026-06-10 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 9626479 | ||||||
| 563 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-08 14:42 | 2026-06-11 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9616548 | ||||||
| 564 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:09 | 2026-06-11 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9628261 | ||||||
| 565 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 03:52 | 2026-06-10 18:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9623996 | ||||||
| 566 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:09 | 2026-06-11 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9628247 | ||||||
| 567 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 07:15 | 2026-06-11 07:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9653075 | ||||||
| 568 | D | B | D | B | D | A | A | A | Closed | FCRE9991 | 2026-06-10 08:56 | 2026-06-22 07:33 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO updated to match 788 - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-score is 788 (primary wage earner mid score) Please updated tape - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 |
Resolved-FICO updated to match 788 - Due Diligence Vendor-06/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9655443 | ||||
| 568 | D | B | D | B | D | A | A | A | Closed | FCRE1199 | 2026-06-09 08:48 | 2026-06-22 07:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-loan amount exceeds max for FTHB - lender waived - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Exception uploaded - Buyer-06/19/2026 Open-FTHB - Maximum Loan Amount is $[Redacted]. - Due Diligence Vendor-06/09/2026 |
Waived-loan amount exceeds max for FTHB - lender waived - Due Diligence Vendor-06/22/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9629180 | ||||
| 568 | D | B | D | B | D | A | A | A | Closed | FCOM9970 | 2026-06-09 09:12 | 2026-06-17 13:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Initial Closing Disclosure provided is acceptable. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-06/09/2026 |
Resolved-Initial Closing Disclosure provided is acceptable. - Due Diligence Vendor-06/17/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629643 | |||||
| 568 | D | B | D | B | D | A | A | A | Closed | FCOM4227 | 2026-06-09 09:08 | 2026-06-17 13:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure provided is acceptable. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. ICD uploaded - Buyer-06/17/2026 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-06/09/2026 |
Resolved-Initial Closing Disclosure provided is acceptable. - Due Diligence Vendor-06/17/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629583 | |||||
| 568 | D | B | D | B | D | A | A | A | Closed | 123ABH | 2026-06-09 08:09 | 2026-06-17 13:13 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-Homeowner Toolkit is fully Present - Due Diligence Vendor-06/17/2026 Resolved-proof borr received now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Acknowledgement uploaded - Seller-06/17/2026 Open-Homeowner Toolkit is missing - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document Uploaded. Acknowledgement uploaded - Seller-06/17/2026 |
Resolved-Homeowner Toolkit is fully Present - Due Diligence Vendor-06/17/2026 Resolved-proof borr received now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9628263 | ||||
| 568 | D | B | D | B | D | A | A | A | Closed | FCOM4028 | 2026-06-09 07:53 | 2026-06-10 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9627965 | ||||||
| 569 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 05:56 | 2026-06-11 07:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9651910 | ||||||
| 570 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 08:48 | 2026-06-11 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9655296 | ||||||
| 571 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 21:57 | 2026-06-11 08:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9646078 | ||||||
| 572 | D | A | D | A | C | A | A | A | Closed | 50001261-Fees-Limited | 2026-06-10 11:52 | 2026-06-18 07:48 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-This is acceptable. - Due Diligence Vendor-06/18/2026 Resolved-Resolved - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. CoC showing date [Redacted] has error date, it should be dated [Redacted] prepared to CD [Redacted]. - Seller-06/17/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($[Redacted]). The actual total fee amount shows a credit amount of ($[Redacted]). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased from $[Redacted] on CD [Redacted] on Final CD [Redacted]without a Change of Circumstance. We have a Change of Circumstance in file dated [Redacted] explaining the lender credit change, but no Disclosure within 3 days to apply it to. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. CoC showing date [Redacted] has error date, it should be dated [Redacted] prepared to CD [Redacted]. - Seller-06/17/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/18/2026 Resolved-Resolved - Due Diligence Vendor-06/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9664572 | ||||
| 572 | D | A | D | A | C | A | A | A | Closed | 50001262-Fees-Limited | 2026-06-10 11:52 | 2026-06-18 07:48 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-This is acceptable. - Due Diligence Vendor-06/18/2026 Resolved-Resolved - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. CoC showing date [Redacted]has error date, it should be dated [Redacted] prepared to CD [Redacted]. - Seller-06/17/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($[Redacted]). The Last CD shows a total lender credit amount of ($[Redacted]). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased from $[Redacted] to $[Redacted] on Final CD[Redacted] without a Change of Circumstance. We have a Change of Circumstance in file dated[Redacted] explaining the lender credit change, but no Disclosure within 3 days to apply it to. - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. CoC showing date [Redacted] has error date, it should be dated [Redacted] prepared to CD [Redacted]. - Seller-06/17/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/18/2026 Resolved-Resolved - Due Diligence Vendor-06/18/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9664571 | ||||
| 572 | D | A | D | A | C | A | A | A | Closed | FCRE9991 | 2026-06-10 11:14 | 2026-06-15 08:30 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI updated - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Taxes included, DTI updated to 25.799%. - Seller-06/13/2026 Open-DTI is 25.80 Lender didnt include the taxes for property. The taxes are $[Redacted]/ annually. Adding this in make DTI slightly higher - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. Taxes included, DTI updated to 25.799%. - Seller-06/13/2026 |
Resolved-DTI updated - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9663066 | ||||
| 572 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-10 10:24 | 2026-06-12 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9658948 | ||||||
| 573 | D | B | D | A | C | B | A | A | Closed | 50001252-Fees-Limited | 2026-06-09 11:13 | 2026-06-10 12:17 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-This is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 Ready for Review-Please see the LOX to borrower, PCCD, copy of check, and airbill as proof it was sent to the borrower that was uploaded. - Buyer-06/10/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Credit report fee increased from $[Redacted] initial CD [Redacted] and is not noted on Change of Circumstance dated [Redacted]. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Cured-This is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9633013 | ||||||
| 573 | D | B | D | A | C | B | A | A | Closed | 50001251-Fees-Limited | 2026-06-09 11:13 | 2026-06-10 12:16 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-This is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please see attached LOX to borrower, PCCD, copy of check, and airbill as proof it was sent to the borrower. - Buyer-06/10/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Credit report fee increased from $[Redacted] on[Redacted] on initial CD [Redacted]and is not noted on Change of Circumstance dated [Redacted] - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Cured-This is acceptable. - Due Diligence Vendor-06/10/2026 Resolved-Resolved - Due Diligence Vendor-06/10/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9633012 | |||||
| 573 | D | B | D | A | C | B | A | A | Closed | FCOM4028 | 2026-06-09 08:06 | 2026-06-09 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9628195 | ||||||
| 574 | D | A | D | A | A | A | A | A | Closed | FCRE1255 | 2026-06-09 08:38 | 2026-06-22 07:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Other Property Insurance Policy Missing | Resolved-PCCD provided and removed Wind ins as was included on HO policy - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Good morning, Wind Insurance was included in escrow payments by mistake since the loan doesn't have a separate Wind Ins policy (due to HOA dues amount being accidentally copied to the 1009 field). PCCD was released and provided to Borrower. - Buyer-06/22/2026 Counter-there is a separate wind policy on CD for $[Redacted]/ yr. this is not present in file - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Good morning, Wind is included in the policy provided. - Buyer-06/12/2026 Open-wind insurance policy not provided in file - Due Diligence Vendor-06/09/2026 |
Resolved-PCCD provided and removed Wind ins as was included on HO policy - Due Diligence Vendor-06/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629023 | |||||
| 575 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:41 | 2026-06-11 15:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9629058 | ||||||
| 575 | D | B | D | B | A | A | A | A | Closed | FCRE1162 | 2026-06-09 10:07 | 2026-06-09 10:07 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Flood Certificate Partially Provided | Waived-Flood Certificate is Partially Provided -Master flood coverage is less than 80% of the replacement cost value and less than $[Redacted] per unit -Exception from provided to proceed with loan as coverage amount is less than $[Redacted] and master coverage is less than 80% -Approved Condition :- 35 of 115 Exception form on page no 35 of 115. - Due Diligence Vendor-06/09/2026 |
Waived-Flood Certificate is Partially Provided -Master flood coverage is less than 80% of the replacement cost value and less than $[Redacted] per unit -Exception from provided to proceed with loan as coverage amount is less than $[Redacted] and master coverage is less than 80% -Approved Condition :- 35 of 115 Exception form on page no 35 of 115. - Due Diligence Vendor-06/09/2026 |
5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9631394 | |||||
| 576 | D | B | D | B | A | A | A | A | Closed | FCRE6843 | 2026-06-10 04:13 | 2026-06-12 09:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-REceived confirmation - Due Diligence Vendor-06/12/2026 Ready for Review-Good morning, Yes, confirmed. - Buyer-06/12/2026 Open-One month statement in file and borrower uses Gift funds for closing costs. Guideline requirement met but we have exception in page #10_[Redacted] Credit package 2.pdf. Please confirm. Subject property type is PUD and borrower is US Citizen with minimum contribution more than 20%. - Due Diligence Vendor-06/10/2026 |
Resolved-REceived confirmation - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9650311 | ||||||
| 576 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-09 22:45 | 2026-06-11 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9646223 | ||||||
| 576 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-06-10 04:08 | 2026-06-10 04:10 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception page #10_[Redacted] Credit package 2.pdf given as 1 month complete bank statements to source funds to close ( $[Redacted] ) and reserves ($[Redacted]) and use 100% of gifts brother, sister and cousin. - Due Diligence Vendor-06/10/2026 |
Waived-Asset Qualification Does Not Meet Guideline Requirements Exception page #10_[Redacted] Credit package 2.pdf given as 1 month complete bank statements to source funds to close ( $[Redacted]) and reserves ($[Redacted]) and use 100% of gifts brother, sister and cousin. - Due Diligence Vendor-06/10/2026 |
1. Revolving debt is under 30% - Total Revolving payments $193 is within 30% of Total tradelines $3,288. 2. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 3. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #123_[Redacted] Credit package 2.pdf 4. 5+ years credit history - Oldest tradeline date is 08/31/2010 is not within 5 years from closing date. 5. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #123_[Redacted] Credit package 2.pdf. Last late payment is on 07/21 6. Credit score >40 points than minimum required - Audited FICO 752 and minimum Guideline FICO 680 with difference 72 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9650253 | |||||
| 577 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 12:09 | 2026-06-12 07:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9634558 | ||||||
| 578 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 08:50 | 2026-06-11 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9629218 | ||||||
| 579 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-09 09:47 | 2026-06-11 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9630366 | ||||||
| 579 | D | B | D | B | A | A | A | A | Closed | FCRE2828 | 2026-06-09 10:25 | 2026-06-09 10:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan Modification and Program Does Not Allow This | Waived-Exception for mortgage due in may extended to June, considered modification Approved with conditions of 0.5 to price Waiver on page 20 of 197 - Due Diligence Vendor-06/09/2026 |
Waived-Exception for mortgage due in may extended to June, considered modification Approved with conditions of 0.5 to price Waiver on page 20 of 197 - Due Diligence Vendor-06/09/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Solid DSCR ratio | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9631778 | |||||
| 580 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-06-09 12:04 | 2026-06-15 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-proof good leap is resolved now present and no longer active - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Account [Redacted] was a solar lien we have proof that it is terminated. - Buyer-06/12/2026 Open-*[Redacted] lender not considered in DTI calculation, However reflecting in credit report refer pg 102 of 107, No supporting document to verify whether it is paid off or not - Due Diligence Vendor-06/09/2026 |
Resolved-proof [Redacted] is resolved now present and no longer active - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9634457 | |||||
| 580 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 09:56 | 2026-06-11 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9630707 | ||||||
| 581 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-09 12:30 | 2026-06-11 15:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9635184 | ||||||
| 581 | D | B | D | B | A | A | A | A | Closed | FCRE8459 | 2026-06-09 14:21 | 2026-06-11 15:40 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Waived-As Per guide : LLC layering is not permitted by Non-QM guidelines Exception form provided to allow LLC layering Exception form page #72 of 205 Approved With Conditions 0.25 to price - Due Diligence Vendor-06/09/2026 |
Waived-As Per guide : LLC layering is not permitted by Non-QM guidelines Exception form provided to allow LLC layering Exception form page #72 of 205 Approved With Conditions 0.25 to price - Due Diligence Vendor-06/09/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9639794 | |||||
| 582 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-06-09 13:33 | 2026-06-11 15:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9637743 | ||||||
| 582 | D | B | D | B | A | A | B | B | Closed | FVAL5472 | 2026-06-09 14:56 | 2026-06-09 14:56 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-*As per guide Gross living area < [Redacted] square feet is not allowed *Exception form is provided to allow less then [Redacted] sq ft *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg no 1 of 223 - Due Diligence Vendor-06/09/2026 |
Waived-*As per guide Gross living area < [Redacted] square feet is not allowed *Exception form is provided to allow less then [Redacted] sq ft *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg no 1 of 223 - Due Diligence Vendor-06/09/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Owner of a construction company |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9640533 | |||||
| 582 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-06-09 14:53 | 2026-06-09 14:53 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide when the property type is multifamily minimum [Redacted] is required *Exception form is provided to allow loan amount of LA<[Redacted], *Approved Conditions$ [Redacted]%, 0.25 to price *Exception Form is on pg no 1 of 223 - Due Diligence Vendor-06/09/2026 |
Waived-*As per guide when the property type is multifamily minimum [Redacted] is required *Exception form is provided to allow loan amount of LA<[Redacted], *Approved Conditions$ [Redacted]%, 0.25 to price *Exception Form is on pg no 1 of 223 - Due Diligence Vendor-06/09/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Owner of a construction company |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9640480 | |||||
| 583 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 10:29 | 2026-06-09 15:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9631857 | ||||||
| 584 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 11:15 | 2026-06-11 15:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9633055 | ||||||
| 585 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 13:49 | 2026-06-12 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9638389 | ||||||
| 586 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 11:27 | 2026-06-11 15:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9633444 | ||||||
| 587 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 07:44 | 2026-06-12 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9653677 | ||||||
| 588 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 11:49 | 2026-06-11 16:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9634148 | ||||||
| 589 | D | A | D | A | A | A | A | A | Closed | FCRE6546 | 2026-06-09 16:43 | 2026-06-17 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-proof first is fixed lien now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see all pages. - Buyer-06/16/2026 Counter-need rest of pages as unable to tell if ARM rider was present since rider page missing. - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/13/2026 Open-Need Supporting document to verify first lien type - Due Diligence Vendor-06/10/2026 |
Resolved-proof first is fixed lien now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9642860 | |||||
| 589 | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2026-06-10 07:37 | 2026-06-16 07:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-UDM debts were included. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. These debts were on UDM, no documentation is needed. - Buyer-06/15/2026 Open-[Redacted] payment of $[Redacted] & [Redacted]card payment of $[Redacted] refer page#256 of 563 not reflecting on credit . Need Supporting document for the same - Due Diligence Vendor-06/10/2026 |
Resolved-UDM debts were included. - Due Diligence Vendor-06/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9653547 | |||||
| 589 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 14:51 | 2026-06-12 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9640443 | ||||||
| 590 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 02:56 | 2026-06-12 09:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9647918 | ||||||
| 591 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 15:41 | 2026-06-12 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9641410 | ||||||
| 592 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 15:21 | 2026-06-12 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9641014 | ||||||
| 593 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 08:15 | 2026-06-12 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9654315 | ||||||
| 594 | D | A | D | A | A | A | C | A | Closed | FVAL2477 | 2026-06-10 14:05 | 2026-06-24 08:07 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received updated appraisal with Condo detail - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/24/2026 Open-Condominium Detail is missing on appraisal refer appraisal document on page 6 of 860 - Due Diligence Vendor-06/10/2026 |
Resolved-Received updated appraisal with Condo detail - Due Diligence Vendor-06/24/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9669106 | |||||
| 594 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-06-10 11:10 | 2026-06-12 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9662990 | ||||||
| 595 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 08:24 | 2026-06-12 13:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9654559 | ||||||
| 596 | D | A | D | A | A | A | D | A | Closed | FCRE1345 | 2026-06-10 07:36 | 2026-06-23 10:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-06/23/2026 Resolved-lender has provided calculation and removed lease. Using full PITI, TPR agrees with 45% DTI - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Total monthly expense for investment [Redacted]. Total monthly obligations would be: $[Redacted]. DTI: [Redacted] = 45.15% - Seller-06/19/2026 Counter-disagree. You removed rental income but didnt count the full PITIA of the Investment in for $[Redacted]. PITIA for Investment without rental income is [Redacted] debts on credit +[Redacted]= 56% - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. The rental income was removed from the income to qualify, and the borrower's DTI is 39%, which is within compliance guidelines. - Seller-06/19/2026 Counter-this is not a lease. this is an income calc - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Rental income is not used to qualify. - Seller-06/13/2026 Open-Lease for investment property missing in file - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. Total monthly expense for investment[Redacted]. Total monthly obligations would be: [Redacted]. DTI: [Redacted] = 45.15% - Seller-06/19/2026 Ready for Review-Document Uploaded. The rental income was removed from the income to qualify, and the borrower's DTI is 39%, which is within compliance guidelines. - Seller-06/19/2026 Ready for Review-Document Uploaded. Rental income is not used to qualify. - Seller-06/13/2026 |
Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-06/23/2026 Resolved-lender has provided calculation and removed lease. Using full PITI, TPR agrees with 45% DTI - Due Diligence Vendor-06/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9653529 | ||||
| 596 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2026-06-10 07:35 | 2026-06-15 09:10 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-approval now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached. - Seller-06/13/2026 Open-No condo questionnaire in file - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document Uploaded. Please see attached. - Seller-06/13/2026 |
Resolved-approval now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9653518 | ||||
| 596 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-10 06:19 | 2026-06-12 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9652223 | ||||||
| 597 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 15:12 | 2026-06-12 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9640894 | ||||||
| 598 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 08:56 | 2026-06-11 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9655451 | ||||||
| 599 | D | B | D | A | A | A | C | B | Closed | FVAL5472 | 2026-06-10 10:40 | 2026-06-11 08:56 | Waived | 2 - Non-Material | C | B | Property | Property | Property or house size is outside of guidelines | Waived-Exception granted for sq ft of property being [Redacted] sq ft - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-Per Guide: The size of the subject property must be not less than [Redacted] square feet of living space. The unit must have a full-size kitchen and a separate bedroom Note: Gross living Area [Redacted] Square feet, Bedroom :0 refer page#10 of 483 - Due Diligence Vendor-06/10/2026 |
Waived-Exception granted for sq ft of property being [Redacted] sq ft - Due Diligence Vendor-06/11/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | Investor Post-Close | No | 9661565 | ||||
| 599 | D | B | D | A | A | A | C | B | Closed | FCOM4028 | 2026-06-10 08:29 | 2026-06-10 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9654767 | ||||||
| 600 | D | A | D | A | B | A | A | A | Closed | 123ABH | 2026-06-10 07:46 | 2026-06-11 08:57 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-Accept evidence of receipt of Toolkit - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Acknowledgement of receipt uploaded - Buyer-06/10/2026 Open-Homeowner Toolkit is missing - Due Diligence Vendor-06/10/2026 |
Resolved-Accept evidence of receipt of Toolkit - Due Diligence Vendor-06/11/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9653715 | |||||
| 600 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-06-10 07:38 | 2026-06-10 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9653561 | ||||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-06-12 14:14 | 2026-06-19 11:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Waived-FTHB borrower must contribute min of 5% Comments Gift funds don't meet guideline. FTHB borrower must contribute min of 5% of SP =[Redacted]. Borrower's contribution does not meet by $[Redacted] - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/19/2026 Open-Gift guide not meeting : FTHB borrower must contribute min of 5% of SP =[Redacted]- Due Diligence Vendor-06/12/2026 |
Waived-FTHB borrower must contribute min of 5% Comments Gift funds don't meet guideline. FTHB borrower must contribute min of 5% of SP =[Redacted] Borrower's contribution does not meet by $[Redacted] - Due Diligence Vendor-06/19/2026 |
Compensating Factors Residual income >=3000$, No credit events past 40 months, 5+ years credit history |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9727323 | ||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-06-11 10:17 | 2026-06-17 09:01 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income : Per guide non-occupant borrowers cannot be the primary income earners. Exception form provided for Primary borrower's income lower than non-occupant borrower Exception form page#75 of 206 Approved With Conditions: [Redacted] Max, 0.25 to price - Due Diligence Vendor-06/11/2026 |
Waived-Income : Per guide non-occupant borrowers cannot be the primary income earners. Exception form provided for Primary borrower's income lower than non-occupant borrower Exception form page#75 of 206 Approved With Conditions: [Redacted] Max, 0.25 to price - Due Diligence Vendor-06/11/2026 |
No credit events past 40 months, 5+ years credit history, Residual income >=3000$ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9694639 | |||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCRE8800 | 2026-06-11 10:19 | 2026-06-17 09:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-valid comp factor now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/17/2026 Open-Exception page on 75 of 206 No consumer late payments in the last 24 months Note- Late payment on 08/01/2025 refer page#188 of 206 - Due Diligence Vendor-06/11/2026 |
Resolved-valid comp factor now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9694714 | |||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCRE1226 | 2026-06-11 10:21 | 2026-06-15 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-appr transfer doc now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/15/2026 Open-Appraisal Transfer letter is on page 52 of 947 however no supporting valuation provided - Due Diligence Vendor-06/11/2026 |
Resolved-appr transfer doc now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9694727 | |||||
| 601 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-10 15:59 | 2026-06-12 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9672853 | ||||||
| 602 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 09:05 | 2026-06-11 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/11/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9655702 | ||||||
| 603 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 15:13 | 2026-06-12 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9640904 | ||||||
| 604 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-09 15:15 | 2026-06-12 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/09/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9640952 | ||||||
| 605 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 21:56 | 2026-06-12 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9676496 | ||||||
| 606 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-10 22:21 | 2026-06-11 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9676587 | ||||||
| 606 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-06-11 00:37 | 2026-06-11 01:22 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Units of subject property does not contain four plate stove with oven per Appraisal Report in page #480-[Redacted] Credit Package 1.pdf and is not allowed per Guidelines 7.1.7. However, Exception is in page #116- [Redacted] Credit Package 2.pdf - Due Diligence Vendor-06/11/2026 | Waived-Units of subject property does not contain four plate stove with oven per Appraisal Report in page #480-[Redacted] Credit Package 1.pdf and is not allowed per Guidelines 7.1.7. However, Exception is in page #116- [Redacted] Credit Package 2.pdf - Due Diligence Vendor-06/11/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #94- [Redacted] Credit Package 2.pdf, 3. No Consumer late payments in the last 24 months- No Consumer late payments in past 24 months (Consumer late payment date is 11/01/2019) , per CBR Page #94- [Redacted] Credit Package 2.pdf, Last late payment is on 11/2019 4.5+ years credit history- Oldest tradeline date in CBR page #94- [Redacted] Credit Package 2.pdf, is 08/01/2012, 5.Credit score >40 points than minimum required- Audited FICO Score is 769, Guideline Maximum FICO Score is 640 difference is 129, Which is Greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9677463 | |||||
| 607 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-11 13:20 | 2026-06-15 09:41 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Subject is 2-4 Unit. Approved by CUW TL to use this existing form of Appraisal in lieu of 1025. - Buyer-06/13/2026 Open-Subject property type is Mixed use per Appraisal Report in page #694&695- [Redacted].pdf whereas tape reflects two to four units. Hence, Guideline requirements change and that changes maximum CLTV and minimum DSCR eligibilities. Finding added accordingly. - Due Diligence Vendor-06/11/2026 |
Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9700353 | |||||
| 607 | D | A | D | A | A | A | A | A | Closed | FCRE1194 | 2026-06-11 03:56 | 2026-06-15 09:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 Ready for Review-Subject is 2-4 Unit. Approved by CUW TL to use existing form of Appraisal in lieu of 1025. - Buyer-06/13/2026 Open-Audited [Redacted], Which is greater than Maximum Guideline [Redacted], Subject property type is Mixed use. - Due Diligence Vendor-06/11/2026 |
Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9680987 | ||||||
| 607 | D | A | D | A | A | A | A | A | Closed | FCRE8860 | 2026-06-11 03:52 | 2026-06-15 09:38 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 Ready for Review-Subject is 2-4 Unit. Approved by CUW TL to use existing form of Appraisal in lieu of 1025. - Seller-06/13/2026 Open-Audited DSCR is 1.045, Which is less than minimum Guideline DSCR 1.1, Subject property type is Mixed use. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Subject is 2-4 Unit. Approved by CUW TL to use existing form of Appraisal in lieu of 1025. - Seller-06/13/2026 |
Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9680955 | |||||
| 607 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-06-12 04:54 | 2026-06-15 09:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 Ready for Review-Subject is 2-4 Unit. Approved by CUW TL to use existing form of Appraisal in lieu of 1025. - Buyer-06/13/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Gift funds in file is utilized for escrow per page #67&739- [Redacted].pdf whereas Gift not allowed for Mixed use property as per Guidelines. - Due Diligence Vendor-06/12/2026 |
Resolved-resolved with lender comments. Since the first floor is used as Rental, lender approved as 2-4 - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9712243 | ||||||
| 607 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 01:48 | 2026-06-12 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9677958 | ||||||
| 608 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 04:49 | 2026-06-15 12:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9681707 | ||||||
| 609 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 08:33 | 2026-06-15 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9688546 | ||||||
| 610 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-06-11 10:13 | 2026-06-17 13:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Resolved-donor proof now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-Donor proof is missing for gift amount $[Redacted] - Due Diligence Vendor-06/11/2026 |
Resolved-donor proof now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9694493 | |||||
| 610 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-11 07:57 | 2026-06-15 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9687377 | ||||||
| 610 | D | B | D | B | A | A | A | A | Closed | FCRE1479 | 2026-06-11 10:03 | 2026-06-11 10:10 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Asset Record 1 Does Not Meet G/L Requirements As per the guide for WVOE the borrower must contribute at least 20% from their own funds. As per exception form provided to proceed with these funds and less than 20% borrower's own contribution. Approved With Conditions [Redacted] MAX & 0.25 to price Exception form page no 145 of 147 - Due Diligence Vendor-06/11/2026 |
Waived-Asset Record 1 Does Not Meet G/L Requirements As per the guide for WVOE the borrower must contribute at least 20% from their own funds. As per exception form provided to proceed with these funds and less than 20% borrower's own contribution. Approved With Conditions [Redacted] MAX & 0.25 to price Exception form page no 145 of 147 - Due Diligence Vendor-06/11/2026 |
No credit events past 40 months, LTV 10% below maximum, Credit score >40 points than minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9694249 | |||||
| 611 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 12:18 | 2026-06-12 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9665772 | ||||||
| 612 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-11 10:12 | 2026-06-15 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9694484 | ||||||
| 612 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-06-11 10:49 | 2026-06-11 10:49 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Waived-As per guide, Condo projects may not have mandatory upfront or periodic membership fees. *Exception form is provided to allow mandatory 3rd party membership fees for the condo project Recreational lease. Rec room. *Approved Conditions: [Redacted] max, 0.25 to price. Lease pmt must be included into DTI. ( Present - see page 407) *Exception form is on page # 39 of 143 - Due Diligence Vendor-06/11/2026 - Due Diligence Vendor-06/11/2026 |
Waived-Waived-As per guide, Condo projects may not have mandatory upfront or periodic membership fees. *Exception form is provided to allow mandatory 3rd party membership fees for the condo project Recreational lease. Rec room. *Approved Conditions: [Redacted] max, 0.25 to price. Lease pmt must be included into DTI. ( Present - see page 407) *Exception form is on page # 39 of 143 - Due Diligence Vendor-06/11/2026 - Due Diligence Vendor-06/11/2026 |
Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9695786 | |||||
| 613 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 08:29 | 2026-06-15 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9688420 | ||||||
| 614 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 11:41 | 2026-06-12 15:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9664088 | ||||||
| 615 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-11 06:52 | 2026-06-15 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9685070 | ||||||
| 615 | D | B | D | B | A | A | A | A | Closed | FCRE1317 | 2026-06-11 07:39 | 2026-06-11 07:39 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Exception for borrowers business entity active less than 24 months due to renaming Approved with conditions of [Redacted] 0.5 to price Waiver on page 38 of 178 - Due Diligence Vendor-06/11/2026 |
Waived-Exception for borrowers business entity active less than 24 months due to renaming Approved with conditions of [Redacted] 0.5 to price Waiver on page 38 of 178 - Due Diligence Vendor-06/11/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9686420 | |||||
| 616 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | ||||||||||||||||||||
| 617 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 13:29 | 2026-06-12 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9667706 | ||||||
| 618 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 01:17 | 2026-06-12 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9677768 | ||||||
| 619 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2026-06-11 08:26 | 2026-06-15 09:50 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-full review now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/15/2026 Open-Questionnaire document missing in file. Number units is more than 10 Units; Property is not in Detached status per appraisal report page #18_[Redacted].pdf. - Due Diligence Vendor-06/11/2026 |
Resolved-full review now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9688273 | |||||
| 619 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-11 06:01 | 2026-06-12 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9683838 | ||||||
| 620 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-11 11:08 | 2026-06-15 15:00 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR score updated - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/15/2026 Open-Calculated DSCR 1.477 not matching with Originator DSCR 2.201 with variance 0.724. monthly HOA amount $[Redacted] per Appraisal Report in Page #16 whereas Lender considered annually per 1008 in page #552_[Redacted].pdf DSCR calculation - Rent amount $ [Redacted]/PITIA $[Redacted]=1.477 - Due Diligence Vendor-06/11/2026 |
Resolved-DSCR score updated - Due Diligence Vendor-06/15/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9696390 | |||||
| 620 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 09:34 | 2026-06-12 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9691113 | ||||||
| 621 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 22:53 | 2026-06-12 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9676727 | ||||||
| 622 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 04:09 | 2026-06-12 10:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9681083 | ||||||
| 623 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 06:26 | 2026-06-12 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9684567 | ||||||
| 624 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 08:05 | 2026-06-15 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9687719 | ||||||
| 625 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-10 13:22 | 2026-06-12 16:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9667507 | ||||||
| 625 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-06-10 16:33 | 2026-06-10 16:33 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-As Per guide Max 3nsfs are allow in 12 month bank statement program Exception form is provided to proceed with loan 5 NSFs on 1 of 4 accounts Exception form is on 63 of 187 Approved with condition [Redacted] MAX & 0.25 to price - Due Diligence Vendor-06/10/2026 |
Waived-As Per guide Max 3nsfs are allow in 12 month bank statement program Exception form is provided to proceed with loan 5 NSFs on 1 of 4 accounts Exception form is on 63 of 187 Approved with condition [Redacted] MAX & 0.25 to price - Due Diligence Vendor-06/10/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No mortgage late payments in the last 24 months, 5+ years credit history, 2+ borrowers on the loan, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9673385 | |||||
| 626 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 23:10 | 2026-06-12 10:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9676861 | ||||||
| 627 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 02:13 | 2026-06-12 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9678124 | ||||||
| 628 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 08:43 | 2026-06-15 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9689119 | ||||||
| 629 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 12:58 | 2026-06-15 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9699726 | ||||||
| 630 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 05:35 | 2026-06-12 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9683340 | ||||||
| 631 | D | B | D | B | A | A | D | A | Closed | FVAL1039 | 2026-06-15 13:52 | 2026-06-17 09:39 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Updated CU now present and value is updated and accurate - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/17/2026 Open-Page 86 - SSR in file with a score of 1, however, the appraised value used is incorrect. SSR ran at $[Redacted] when value is $[Redacted]. Variance > 10% - Due Diligence Vendor-06/15/2026 |
Resolved-Updated CU now present and value is updated and accurate - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9753624 | |||||
| 631 | D | B | D | B | A | A | D | A | Closed | FCOM4028 | 2026-06-11 07:31 | 2026-06-15 13:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9686160 | ||||||
| 631 | D | B | D | B | A | A | D | A | Closed | FCRE6763 | 2026-06-11 08:09 | 2026-06-11 08:09 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Waived-As per guide, Guideline requires bank statement deposit verification on P&L doc types when the [Redacted] or greater. *Exception form is provided to allow no bank stmt support at [Redacted] *Approved Conditions: None *Exception form is on page #38 of 118 - Due Diligence Vendor-06/11/2026 - Due Diligence Vendor-06/11/2026 |
Waived-Waived-As per guide, Guideline requires bank statement deposit verification on P&L doc types when the [Redacted] or greater. *Exception form is provided to allow no bank stmt support at [Redacted] *Approved Conditions: None *Exception form is on page #38 of 118 - Due Diligence Vendor-06/11/2026 - Due Diligence Vendor-06/11/2026 |
5 years on current job, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9687840 | |||||
| 632 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 07:59 | 2026-06-12 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9687490 | ||||||
| 633 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-11 08:38 | 2026-06-15 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9688759 | ||||||
| 633 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-06-11 09:23 | 2026-06-11 09:23 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Waived-As per guide, Guideline requires rural property areas to be built up 25% or greater. *Exception form is provided to rural under 25% built up. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 24 of 90 - Due Diligence Vendor-06/11/2026 - Due Diligence Vendor-06/11/2026 |
Waived-Waived-As per guide, Guideline requires rural property areas to be built up 25% or greater. *Exception form is provided to rural under 25% built up. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 24 of 90 - Due Diligence Vendor-06/11/2026 - Due Diligence Vendor-06/11/2026 |
No credit events past 40 months, 5+ years credit history, 2+ borrowers on the loan. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9690489 | |||||
| 634 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-11 01:59 | 2026-06-15 15:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9678044 | ||||||
| 634 | D | B | D | B | A | A | A | A | Closed | FCRE8459 | 2026-06-11 03:11 | 2026-06-11 04:33 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Waived-Business verification to determine borrower ownership percentage verified from Attorney letter in page #37_[Redacted] Credit package 2.pdf instead of CPA and is not allowed per Guidelines. However, Exception is in page #73 of Credit package 2.pdf - Due Diligence Vendor-06/11/2026 | Waived-Business verification to determine borrower ownership percentage verified from Attorney letter in page #37_[Redacted] Credit package 2.pdf instead of CPA and is not allowed per Guidelines. However, Exception is in page #73 of Credit package 2.pdf - Due Diligence Vendor-06/11/2026 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in last 2 years in CBR Page #127 of Credit Package2.pdf. Last late payment is on 07/2022. 5+ years credit history-Oldest tradeline date in CBR page # 127 of Credit Package2.pdf is 09/01/1990 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #127 of Credit Package2.pdf LTV 10% below maximum-Audited LTV 17.15% & Maximum LTV 55% with difference 37.85% which is greater than 10% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9678467 | |||||
| 635 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 08:10 | 2026-06-15 09:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9687843 | ||||||
| 636 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 15:38 | 2026-06-15 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9672272 | ||||||
| 637 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-10 16:03 | 2026-06-12 16:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/10/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9672951 | ||||||
| 638 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 10:05 | 2026-06-15 10:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9694299 | ||||||
| 639 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 10:05 | 2026-06-16 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9694279 | ||||||
| 640 | D | A | D | A | A | A | A | A | Closed | FCRE6911 | 2026-06-12 15:24 | 2026-06-16 11:34 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited DTI exceeds 3% difference from Originator DTI | Resolved-lender calc now present and DTI now matches - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Good morning, Our calculations are also included subject property negative rental income $[Redacted]. Total amount is $[Redacted]. - Buyer-06/16/2026 Open-Audited DTI 36.17% not matching with originator DTI 40.46% with variance 4.29%. Entries correct in all related fields. DTI calculation : Other REO Net payment $[Redacted]+ credit report $[Redacted] + primary housing $[Redacted] = $[Redacted]/ income $[Redacted]= 36.17% - Due Diligence Vendor-06/12/2026 |
Resolved-lender calc now present and DTI now matches - Due Diligence Vendor-06/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9729218 | |||||
| 640 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 07:28 | 2026-06-15 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9714909 | ||||||
| 641 | D | B | D | B | A | A | A | A | Closed | FCRE3653 | 2026-06-12 11:56 | 2026-06-16 12:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE now present - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please review uploaded LOX - Buyer-06/16/2026 Open- - Please provide a LOE regarding B1 is a physician in [Redacted] and purchasing an owner occupied property in [Redacted]. - Due Diligence Vendor-06/12/2026 |
Resolved-LOE now present - Due Diligence Vendor-06/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9724233 | |||||
| 641 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-12 10:27 | 2026-06-15 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9721582 | ||||||
| 641 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2026-06-12 11:54 | 2026-06-12 11:54 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Waived-As per guide, Rental income from another property owned prior to loan application should be calculated using the borrower’s federal income tax returns for the most recent period (Cash Flow Analysis of Schedule E) for Full Documentation program. *Exception form is provided to allow positive net rental income from a lease agreement and 2 month's receipt of rental income for the REO properties. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 126 of 156, Leases pages 255 and 325 of 984, bank statements page 251 and 396 of 984 - Due Diligence Vendor-6/12/2026 - Due Diligence Vendor-06/12/2026 |
Waived-Waived-As per guide, Rental income from another property owned prior to loan application should be calculated using the borrower’s federal income tax returns for the most recent period (Cash Flow Analysis of Schedule E) for Full Documentation program. *Exception form is provided to allow positive net rental income from a lease agreement and 2 month's receipt of rental income for the REO properties. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 126 of 156, Leases pages 255 and 325 of 984, bank statements page 251 and 396 of 984 - Due Diligence Vendor-6/12/2026 - Due Diligence Vendor-06/12/2026 |
Residual income >=3000$, 2+ borrowers on the loan, Reserves >6 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9724195 | |||||
| 642 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 12:32 | 2026-06-16 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9724996 | ||||||
| 643 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 22:46 | 2026-06-16 16:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9707456 | ||||||
| 644 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-12 10:10 | 2026-06-17 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/17/2026 Resolved-policy # now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Dec page with policy number uploaded - Buyer-06/17/2026 Open-Hazard Insurance Policy Partially Provided Hazard Insurance document is in page # 86 of Credit Package 2.pdf but policy number is missing on it. - Due Diligence Vendor-06/12/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/17/2026 Resolved-policy # now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9721056 | |||||
| 644 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 08:46 | 2026-06-15 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9716865 | ||||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-06-11 17:38 | 2026-06-23 08:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see the Final CD. - Seller-06/22/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Provide a Clear Copy of Final CD [Redacted]. The copy we have on file is missing Borrower Paid Amounts in Section A, Line 01 and E Line 01. The fee amounts appear to be typed on top of the fee name description. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please see the Final CD. - Seller-06/22/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9705969 | ||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCOM2340 | 2026-06-11 17:26 | 2026-06-23 08:12 | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see the Final CD. - Seller-06/22/2026 Open-CD: General Form Requirements Not Met Final CD[Redacted] Loan Costs, Section A, Line 01 and Other Costs, Section E Line 01 Fee amounts are missing from the buyer paid column and appear to be typed over the fee descriptions. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Please see the Final CD. - Seller-06/22/2026 |
Resolved-CD: General Form Requirements Met - Due Diligence Vendor-06/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9705902 | ||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCRE9651 | 2026-06-11 14:17 | 2026-06-19 08:06 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Amortization Schedule missing from Closing Package. | Resolved-am schedule now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see the Amortization Schedule. - Buyer-06/18/2026 Open-Amortization Schedule is 'Missing'from the Closing Package. Amortization Schedule Document is missing in File - Due Diligence Vendor-06/11/2026 |
Resolved-am schedule now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9701886 | |||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCOM1221 | 2026-06-11 13:55 | 2026-06-19 08:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-notary now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see the Notary commission expires date. - Buyer-06/18/2026 Open-The Deed of Trust is Incomplete DOT doc Notary date is not updated refer page#114 of 622 - Due Diligence Vendor-06/11/2026 |
Resolved-notary now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9701347 | |||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2026-06-12 09:02 | 2026-06-15 10:02 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. Please see the 1008. - Buyer-06/12/2026 Open-1008 is missing - Due Diligence Vendor-06/12/2026 |
Resolved-1008 now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9717384 | |||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCRE9991 | 2026-06-11 16:01 | 2026-06-15 09:51 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-updated DTI now present - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. DTI is updated to 28.648%. Calculation is: PITIA is $[Redacted] + Debts from Credit report of $[Redacted] / Income of $[Redacted]= 28.65%. Please see the updated 1008. - Seller-06/12/2026 Open-*DTI is off by 1.239 DTI should be 28.65%. Approval is 27.41%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted] / Income of $[Redacted]= 28.65% Reason: Unable to identify how lender Calculate the DTI, Tape needs to be corrected - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. DTI is updated to 28.648%. Calculation is: PITIA is $[Redacted]+ Debts from Credit report of $[Redacted] / Income of $[Redacted]= 28.65%. Please see the updated 1008. - Seller-06/12/2026 |
Resolved-updated DTI now present - Due Diligence Vendor-06/15/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9704302 | ||||
| 645 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-11 13:55 | 2026-06-12 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9701346 | ||||||
| 646 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 10:58 | 2026-06-11 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/11/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9696094 | ||||||
| 647 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 22:12 | 2026-06-15 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9707326 | ||||||
| 648 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 00:37 | 2026-06-16 16:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9708366 | ||||||
| 649 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 03:25 | 2026-06-15 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9709460 | ||||||
| 650 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 07:19 | 2026-06-16 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9714742 | ||||||
| 651 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 10:19 | 2026-06-15 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9721444 | ||||||
| 652 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 06:48 | 2026-06-16 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9714186 | ||||||
| 653 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-11 12:04 | 2026-06-16 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9698108 | ||||||
| 653 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-06-11 13:00 | 2026-06-16 14:20 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-Exception for 12 NSFs in 12 month period Approved with conditions of 80% MAX & 0.25 to price Waiver on page 20 of 166 - Due Diligence Vendor-06/11/2026 |
Waived-Exception for 12 NSFs in 12 month period Approved with conditions of 80% MAX & 0.25 to price Waiver on page 20 of 166 - Due Diligence Vendor-06/11/2026 |
No credit events past 40 months =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 5+ years credit history = 11/02/2014 No consumer late payments in the last 24 months = N/A one 60 day late on [Redacted] Borrower contribution exceeds requirement >=5% = 7.9% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9699802 | |||||
| 654 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-15 00:46 | 2026-06-18 14:00 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated score - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. please see the attached file - Buyer-06/18/2026 Open-Calculated DSCR 1.048 not matching with Originator DSCR 1.071 with variance 0.023. Lender calculated Rent amount $[Redacted] but supporting document missing to verify the same. DSCR Calculation: Rent amount [Redacted]= 1.048 Rent amount calculation from [Redacted] is Daily Rate $[Redacted]* 365 days per year * [Redacted]% occupancy Rate * [Redacted]% vacant factor / 12 = $[Redacted] - Due Diligence Vendor-06/15/2026 |
Resolved-lender updated score - Due Diligence Vendor-06/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9738437 | |||||
| 654 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 21:58 | 2026-06-17 06:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9707304 | ||||||
| 655 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 14:50 | 2026-06-16 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9702765 | ||||||
| 656 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 07:05 | 2026-06-15 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9714503 | ||||||
| 657 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 06:08 | 2026-06-16 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9713511 | ||||||
| 658 | D | A | D | A | A | A | D | A | Closed | FCRE1728 | 2026-06-11 13:18 | 2026-06-16 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-now present - Due Diligence Vendor-06/16/2026 Open-Rent comparable schedule form 1007 is missing in the file. - Due Diligence Vendor-06/11/2026 |
Resolved-now present - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9700325 | ||||||
| 658 | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2026-06-11 12:57 | 2026-06-16 09:29 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/16/2026 Open-Appraisal is Missing Appraisal report is missing in the file. - Due Diligence Vendor-06/11/2026 |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-06/16/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9699666 | |||||
| 658 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-11 11:34 | 2026-06-15 15:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9697245 | ||||||
| 659 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 12:46 | 2026-06-15 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9699496 | ||||||
| 660 | D | B | D | B | C | A | A | A | Closed | 1000611-1001964 | 2026-06-12 16:13 | 2026-06-24 09:22 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-The Loan Product of (Adjustable Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-06-03). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) Cured - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Counter-see top of page 1 under loan product. it says FIXED RATE, this is the section incorrect. Please have corrected - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. The page 1 of CD is reflecting this is an ARM loan in section "Loan Terms" - Seller-06/17/2026 Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of ([Redacted]). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) Loan Product "Fixed Rate" on CD [Redacted] electronically signed by the borrower on [Redacted] is incorrect. This should be 5/6 mo. Adjustable Rate. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. The page 1 of CD is reflecting this is an ARM loan in section "Loan Terms" - Seller-06/17/2026 |
Resolved-The Loan Product of (Adjustable Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-06-03). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) Cured - Due Diligence Vendor-06/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9730326 | ||||
| 660 | D | B | D | B | C | A | A | A | Closed | 1000804-1002413 | 2026-06-12 16:13 | 2026-06-24 09:22 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-The last Closing Disclosure Received Date ([Redacted]) is not at least 3 business days before the consummation date of ([Redacted]). The (Adjustable Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (5/6 mo. Adjustable Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of ([Redacted]). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Resolved-Document Uploaded. Received Corrected CD - Due Diligence Vendor-06/24/2026 Counter-see top of page 1 under loan product. it says FIXED RATE, this is the section incorrect. Please have corrected - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. The page 1 of CD is indicating that this is an ARM loan - Buyer-06/17/2026 Open-The last Closing Disclosure Received Date ([Redacted]) is not at least 3 business days before the consummation date of ([Redacted]). The (Fixed Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (5/6 mo. Adjustable Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (v). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) Loan Product "Fixed Rate" on CD [Redacted] electronically signed by the borrower on[Redacted] is incorrect. This should be 5/6 mo. Adjustable Rate. - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 Open- - Due Diligence Vendor-06/12/2026 |
Resolved-The last Closing Disclosure Received Date (2026-06-03) is not at least 3 business days before the consummation date of (2026-06-03). The (Adjustable Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (5/6 mo. Adjustable Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2026-06-03). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-06/24/2026 Resolved-Document Uploaded. Received Corrected CD - Due Diligence Vendor-06/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9730327 | |||||
| 660 | D | B | D | B | C | A | A | A | Closed | FCOM2340 | 2026-06-12 15:55 | 2026-06-24 09:19 | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-Document Uploaded. Updated CD received and correct - Due Diligence Vendor-06/24/2026 Counter-see top of page 1 under loan product. it says FIXED RATE, this is the section incorrect. Please have corrected - Due Diligence Vendor-06/18/2026 Ready for Review-Page 1 of CD,section" Loan terms" does show it's an ARM loan - Seller-06/17/2026 Open-CD: General Form Requirements Not Met CD [Redacted] that was electronically signed for by the borrower on [Redacted] Loan Product is Fixed Rate and should be 5/6 mo. Adjustable Rate. - Due Diligence Vendor-06/12/2026 |
Ready for Review-Page 1 of CD,section" Loan terms" does show it's an ARM loan - Seller-06/17/2026 |
Resolved-Document Uploaded. Updated CD received and correct - Due Diligence Vendor-06/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9729905 | ||||
| 660 | D | B | D | B | C | A | A | A | Closed | FCRE1199 | 2026-06-16 14:03 | 2026-06-18 14:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-loan amount exceeds max - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Please review uploaded exception form - Buyer-06/18/2026 Open-As per rate sheet max loan amt allowed for second home is $[Redacted] and file's loan amt is more than [Redacted], not meeting guide - Due Diligence Vendor-06/16/2026 |
Waived-loan amount exceeds max - Due Diligence Vendor-06/18/2026 |
No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Post-Close | Yes | 9775323 | ||||
| 660 | D | B | D | B | C | A | A | A | Closed | FCRE9991 | 2026-06-16 13:47 | 2026-06-18 07:13 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO updated - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Please revie wuploaded revised lock with Fico 791 - Buyer-06/17/2026 Open-*Qualifying FICO 791 is not matching with the 1008 FICO 778. FICO score is matching when we select the Qualifying FICO Method as lowest mid score . As per the [Redacted] guidelines for joint credit we need to select Qualifying FICO Method as Primary wage earner score. - Due Diligence Vendor-06/16/2026 |
Resolved-FICO updated - Due Diligence Vendor-06/18/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9775085 | |||||
| 660 | D | B | D | B | C | A | A | A | Closed | FCOM4028 | 2026-06-12 11:14 | 2026-06-16 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9723144 | ||||||
| 661 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 15:08 | 2026-06-16 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9703320 | ||||||
| 662 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 08:49 | 2026-06-16 14:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9716906 | ||||||
| 663 | D | B | D | B | A | A | A | A | Closed | FCRE8459 | 2026-06-11 15:14 | 2026-06-17 10:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower Entity Ownership does not meet guidelines | Resolved-resolved with lender comments. - Due Diligence Vendor-06/17/2026 Ready for Review-This is not a requirement of our guidelines. The guidelines state that we can accept an operating agreement OR CPA letter for business ownership verification. The Operating agreement does verify that the borrower is the sole member, signing the document would not change this fact. Best regards, - Buyer-06/17/2026 Open-Need fully executed copy of Company document refer page no 431. - Due Diligence Vendor-06/11/2026 |
Resolved-resolved with lender comments. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9703432 | ||||||
| 663 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-11 14:04 | 2026-06-16 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9701646 | ||||||
| 663 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-11 15:10 | 2026-06-11 15:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited minimum loan Amount should be [Redacted]as per rate sheet -Exception form provided to proceed with loan as file loan amount is $[Redacted] -Approved Condition :- [Redacted] , 0.25 to Price -Exception form on page no 440. - Due Diligence Vendor-06/11/2026 |
Waived-Audited minimum loan Amount should be [Redacted]as per rate sheet -Exception form provided to proceed with loan as file loan amount is [Redacted] -Approved Condition :- [Redacted] , 0.25 to Price -Exception form on page no 440. - Due Diligence Vendor-06/11/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9703379 | |||||
| 664 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 08:09 | 2026-06-16 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9715961 | ||||||
| 665 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 13:31 | 2026-06-16 08:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9700545 | ||||||
| 666 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-15 14:31 | 2026-06-16 09:31 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-FICO updated - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/16/2026 Open-FICO for primary wage is 754 - Due Diligence Vendor-06/15/2026 |
Resolved-FICO updated - Due Diligence Vendor-06/16/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9754361 | |||||
| 666 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-11 13:36 | 2026-06-15 14:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/11/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9700644 | ||||||
| 667 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 08:24 | 2026-06-16 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9716320 | ||||||
| 668 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-12 13:24 | 2026-06-23 07:54 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-while 1003 still says RENT instead of own, we have proof from lender the taxes and ins are in borrower name. and it was added to REO, we can rectify the discrepancy with docs provided. DTI now matches after including the taxes and ins - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Updated 1003 uploaded - Seller-06/22/2026 Counter-final 1003 says that each borrower has no primary housing expense and this shows they do. need updated app and add property to REO with expenses. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-DTI is off by 6.74% , Lender DTI is 52.02% -Unable to identify how lender consider additional other EXP of $[Redacted] -DTI should be PITIA + Other EXP/ Income = $[Redacted]= 45.28% - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Updated 1003 uploaded - Seller-06/22/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 |
Resolved-while 1003 still says RENT instead of own, we have proof from lender the taxes and ins are in borrower name. and it was added to REO, we can rectify the discrepancy with docs provided. DTI now matches after including the taxes and ins - Due Diligence Vendor-06/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9726399 | ||||
| 668 | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-06-12 12:30 | 2026-06-22 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VVOE website now present. bus address matches that listed on sch C - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Verification uploaded - Seller-06/19/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Need employment verification for business name "[Redacted]" - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Verification uploaded - Seller-06/19/2026 |
Resolved-VVOE website now present. bus address matches that listed on sch C - Due Diligence Vendor-06/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9724942 | ||||
| 668 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-06-12 12:31 | 2026-06-22 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-VVOE now present. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Verification uploaded - Seller-06/19/2026 Open-Need employment verification for business name "[Redacted]" - Due Diligence Vendor-06/12/2026 |
Ready for Review-Document Uploaded. Verification uploaded - Seller-06/19/2026 |
Resolved-VVOE now present. - Due Diligence Vendor-06/22/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9724968 | ||||
| 668 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 10:36 | 2026-06-16 14:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9721972 | ||||||
| 669 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 08:02 | 2026-06-16 15:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9715794 | ||||||
| 670 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-12 14:30 | 2026-06-16 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9727689 | ||||||
| 670 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-06-12 15:34 | 2026-06-12 15:34 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived--As per guide the property should not be listed within 6 months when the transaction is cash-out -Exception form provided to proceed with loan as as property was listed for sale within 6 months. -Exception form is on page no 110 of 223. -Approved condition :- [Redacted] Max. - Due Diligence Vendor-06/12/2026 |
Waived--As per guide the property should not be listed within 6 months when the transaction is cash-out -Exception form provided to proceed with loan as as property was listed for sale within 6 months. -Exception form is on page no 110 of 223. -Approved condition :- [Redacted] Max. - Due Diligence Vendor-06/12/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9729458 | |||||
| 671 | D | A | D | A | C | A | A | A | Closed | FCOM5814 | 2026-06-15 08:36 | 2026-06-16 12:13 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-missing info now present - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/16/2026 Open-Final CD [Redacted] Contact Information Lenders Contact NMLS is missing. - Due Diligence Vendor-06/15/2026 |
Resolved-missing info now present - Due Diligence Vendor-06/16/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9745228 | |||||
| 671 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-15 05:17 | 2026-06-15 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9741446 | ||||||
| 672 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 08:33 | 2026-06-16 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9716549 | ||||||
| 673 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 05:35 | 2026-06-16 11:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9712837 | ||||||
| 674 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-12 12:37 | 2026-06-17 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/17/2026 Resolved-binder number now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. please see the attached docs - Buyer-06/17/2026 Open-Hazard Insurance Policy Partially Provided Hazard insurance Deductible amount is missing refer page#4 of 224 - Due Diligence Vendor-06/12/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/17/2026 Resolved-binder number now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9725298 | |||||
| 674 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 10:35 | 2026-06-16 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9721815 | ||||||
| 675 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 10:48 | 2026-06-16 11:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9722248 | ||||||
| 676 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-06-15 12:13 | 2026-06-19 08:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-mtg late in last 12 months - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. we have an Exception Form thank you - Buyer-06/18/2026 Open-Housing History Does Not Meet Guideline Requirements 30 days Mortgage late payments on[Redacted] reflecting in credit report page #73[Redacted] 2.pdf which is not allowed per Guidelines 6.5.7 'Borrower cannot have mortgage lates within last 12 months prior to note date and 0x90 mortgage lates within last 24 months prior to note date'. - Due Diligence Vendor-06/15/2026 |
Waived-mtg late in last 12 months - Due Diligence Vendor-06/19/2026 |
No credit events past 40 months, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% Credit Decision Status & Date of Decision Approved With Conditions 05/26/2026 80% LTV MAX & 0.5 to price |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9751230 | ||||
| 676 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-15 06:18 | 2026-06-17 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9742270 | ||||||
| 677 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 02:29 | 2026-06-18 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9739088 | ||||||
| 678 | D | A | D | A | A | A | A | A | Closed | FCRE1501 | 2026-06-12 12:49 | 2026-06-19 08:23 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Additional [Redacted] uploaded - Buyer-06/18/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] - $[Redacted] provided. Cash to close $[Redacted] and 3 months reserves $[Redacted]. Borrower is short $[Redacted] for reserves. - Due Diligence Vendor-06/12/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $[Redacted] is equal to or greater than Total Required Reserve Amount of $[Redacted] - Due Diligence Vendor-06/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9725563 | |||||
| 678 | D | A | D | A | A | A | A | A | Closed | FCRE3091 | 2026-06-12 12:41 | 2026-06-19 08:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of [Redacted] is Equal to or After the Transaction Date of [Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/19/2026 Resolved-renewal now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Master policy uploaded - Buyer-06/18/2026 Open-Master Policy Expiration Date of 05-28-2026 is Prior To the Transaction Date of 06-10-2026 - Due Diligence Vendor-06/12/2026 |
Resolved-Master Policy Expiration Date of [Redacted] is Equal to or After the Transaction Date of [Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/19/2026 Resolved-renewal now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9725372 | |||||
| 678 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 12:20 | 2026-06-12 14:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/12/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9724751 | ||||||
| 679 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 07:00 | 2026-06-17 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9742846 | ||||||
| 680 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-14 22:10 | 2026-06-17 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9737071 | ||||||
| 681 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-14 22:10 | 2026-06-17 10:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9737072 | ||||||
| 682 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 10:46 | 2026-06-16 16:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9722202 | ||||||
| 683 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 06:31 | 2026-06-17 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9742414 | ||||||
| 684 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-14 08:39 | 2026-06-17 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9735164 | ||||||
| 684 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2026-06-14 09:30 | 2026-06-17 13:24 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Waived-As per guide, Guideline, Income qualification, requires all Borrower's listed on the business bank statements to be on the loan application. *Exception form is provided to allow a non borrower on business bank stmts - bwr owns100%. *Approved Conditions: [Redacted] max, 0.125 to price. *Exception form is on page # 57 of 196 - Due Diligence Vendor-06/14/2026 - Due Diligence Vendor-06/14/2026 |
Waived-Waived-As per guide, Guideline, Income qualification, requires all Borrower's listed on the business bank statements to be on the loan application. *Exception form is provided to allow a non borrower on business bank stmts - bwr owns100%. *Approved Conditions: [Redacted] max, 0.125 to price. *Exception form is on page # 57 of 196 - Due Diligence Vendor-06/14/2026 - Due Diligence Vendor-06/14/2026 |
Residual income >=$3000, = $47,628.81 DTI >=10% lower than loan program, - program max is 50% loan is at 31.22 10 years or more in the same line of employment, = borrower has been self employed for over 20 years No credit events past 40 months, =No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months, = No mortgage late payments in past 24 months per CBR Page #175 5+ years credit history, = 09/01/2003 No consumer late payments in the last 24 months, = LTV 10% below maximum, Reserves >6 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9735215 | |||||
| 685 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 09:15 | 2026-06-17 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9746141 | ||||||
| 686 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-13 05:36 | 2026-06-17 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9732441 | ||||||
| 686 | D | B | D | B | A | A | A | A | Closed | FCRE6763 | 2026-06-13 06:15 | 2026-06-13 06:15 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Waived-As per guide, Guideline prohibits another non borrower on bank account when using bank stmt income qualification. *Exception form is provided to allow bwr's non employed spouse to be on bank stmts used for income. *Approved Conditions: 0.25 to price. *Exception form is on page # 42 of 172 - Due Diligence Vendor-06/13/2026 - Due Diligence Vendor-06/13/2026 |
Waived-Waived-As per guide, Guideline prohibits another non borrower on bank account when using bank stmt income qualification. *Exception form is provided to allow bwr's non employed spouse to be on bank stmts used for income. *Approved Conditions: 0.25 to price. *Exception form is on page # 42 of 172 - Due Diligence Vendor-06/13/2026 - Due Diligence Vendor-06/13/2026 |
Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6. months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9732505 | |||||
| 687 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 03:35 | 2026-06-16 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9740025 | ||||||
| 688 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-12 14:48 | 2026-06-17 07:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9728021 | ||||||
| 689 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 07:42 | 2026-06-17 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9743795 | ||||||
| 690 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 08:06 | 2026-06-17 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9744557 | ||||||
| 691 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-13 07:13 | 2026-06-17 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9732518 | ||||||
| 692 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 07:21 | 2026-06-17 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9743232 | ||||||
| 693 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-14 09:54 | 2026-06-17 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/14/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9735224 | ||||||
| 694 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 03:24 | 2026-06-17 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9739930 | ||||||
| 695 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-15 07:32 | 2026-06-17 13:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9743486 | ||||||
| 695 | D | B | D | A | A | A | B | B | Closed | FPRO116 | 2026-06-15 08:09 | 2026-06-17 13:38 | Waived | 2 - Non-Material | B | B | Property | Property | Other Property/Value Finding | Waived-Waived-As per guide, Condo projects must have critical repairs recertified/cleared before close. *Exception form is provided to allow funding post critical repairs. Engineer's Certification page 469 - No health and safety issues. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 44 of 115 - Due Diligence Vendor-06/15/2026 - Due Diligence Vendor-06/15/2026 |
Waived-Waived-As per guide, Condo projects must have critical repairs recertified/cleared before close. *Exception form is provided to allow funding post critical repairs. Engineer's Certification page 469 - No health and safety issues. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 44 of 115 - Due Diligence Vendor-06/15/2026 - Due Diligence Vendor-06/15/2026 |
Revolving debt is under 30%= 5 years on current job= DTI >=10% lower than loan program= 10 years or more in the same line of employment = No credit events past 40 months=No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, No mortgage late payments in the last 24 months =No mortgage late payments in past 24 months per CBR Page #494 5+ years credit history=02/01/2008 No consumer late payments in the last 24 months= LTV 10% below maximum= Credit score >40 points than minimum required= min is 680 borrower 802 Borrower contribution exceeds requirement >=5% = Reserves >6 months=29.9 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9744620 | |||||
| 695 | D | B | D | A | A | A | B | B | Closed | FVAL9739 | 2026-06-15 08:06 | 2026-06-15 08:06 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Waived-As per guide, Condo projects may not have mandatory upfront or periodic membership fees. *Exception form is provided to allow mandatory 3rd party membership fees for the condo project. Rec Facilities owned by third party - fee included into hoa. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 45 of 115 - Due Diligence Vendor-06/15/2026 - Due Diligence Vendor-06/15/2026 |
Waived-Waived-As per guide, Condo projects may not have mandatory upfront or periodic membership fees. *Exception form is provided to allow mandatory 3rd party membership fees for the condo project. Rec Facilities owned by third party - fee included into hoa. *Approved Conditions: [Redacted] max, 0.25 to price. *Exception form is on page # 45 of 115 - Due Diligence Vendor-06/15/2026 - Due Diligence Vendor-06/15/2026 |
Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9744580 | |||||
| 696 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 06:00 | 2026-06-17 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9742036 | ||||||
| 697 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-15 08:49 | 2026-06-17 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9745493 | ||||||
| 697 | D | B | D | B | A | A | A | A | Closed | FCRE1228 | 2026-06-15 09:47 | 2026-06-15 09:47 | Waived | 2 - Non-Material | B | B | Credit | Debt | Non-Sufficient Fund (NSF) Occurrences Higher Than Program Allowance | Waived-Exception for 9 NSFs in a 12 month period Approved with conditions of [Redacted] Max & .25 to price Waiver on page 43 of 162 - Due Diligence Vendor-06/15/2026 |
Waived-Exception for 9 NSFs in a 12 month period Approved with conditions of [Redacted] Max & .25 to price Waiver on page 43 of 162 - Due Diligence Vendor-06/15/2026 |
5 years on current job, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum, Refinancing AD loan | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9748157 | |||||
| 698 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 08:06 | 2026-06-17 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9744585 | ||||||
| 699 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-15 08:18 | 2026-06-19 08:49 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-score updated to 1.082 - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. please see the updated docs thank you - Buyer-06/18/2026 Open-Originator DSCR Is 1.228 and the Calculated DSCR is 1.082, the Variance is 0.146. Calculated Rent amount from [Redacted] which is in page # 78 of Credit Package 2.pdf DSCR calculation: Rent amount $[Redacted] / PITIA $[Redacted]=1.082 Rent amount considered from [Redacted] as it is higher than 1007 which is in 217 of Credit Package 1.pdf, still DSCR is mismatching - Due Diligence Vendor-06/15/2026 |
Resolved-score updated to 1.082 - Due Diligence Vendor-06/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9744834 | |||||
| 699 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 00:42 | 2026-06-17 15:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9738409 | ||||||
| 700 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-13 04:17 | 2026-06-17 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/13/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9732439 | ||||||
| 701 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 07:51 | 2026-06-15 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/15/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9744065 | ||||||
| 702 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 07:29 | 2026-06-17 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9743399 | ||||||
| 703 | D | B | D | B | A | A | A | A | Closed | FCRE1493 | 2026-06-17 08:11 | 2026-06-26 08:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-does not meet standard tradeline requirements and lender waived. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. - Buyer-06/25/2026 Open-Standard tradeline not meeting guide, Need any one of the below Acceptable alternative credits: >12- or 24-months’ utility bill (ex. gas, electricity, water, internet) verification; phone bill verification; HOA bill verification or insurance bill verification - Due Diligence Vendor-06/17/2026 |
Waived-does not meet standard tradeline requirements and lender waived. - Due Diligence Vendor-06/26/2026 |
No credit events past 40 months, 5+ years credit history, Reserves >6 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 9790557 | ||||
| 703 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-06-15 08:37 | 2026-06-24 13:59 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender provided updated DSCR on their 1008 and rents of $[Redacted]= 1.632 DSCR - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Unit 1 - actual = [Redacted]; Unit 2 - market = [Redacted] = Total $[Redacted] / PITI = DSCR 1.631 - Buyer-06/24/2026 Open-*DSCR Score difference is 0.582, Lender score is 1.184 *Document in file 1007 pg. 30 of 629, Rent 3950 *DSCR score should Rent /PITI-$[Redacted]=1.766 *Reason unable to find how lender calculated DSCR score - Due Diligence Vendor-06/15/2026 |
Resolved-lender provided updated DSCR on their 1008 and rents of $[Redacted]= 1.632 DSCR - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9745243 | |||||
| 703 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-12 17:00 | 2026-06-17 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/12/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9731339 | ||||||
| 704 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 08:21 | 2026-06-17 15:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9744908 | ||||||
| 705 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 06:24 | 2026-06-18 08:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9764166 | ||||||
| 706 | D | A | D | A | A | A | D | A | Closed | FCRE3091 | 2026-06-16 11:12 | 2026-06-19 09:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of 05-31-2027 is Equal to or After the Transaction Date of [Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/19/2026 Resolved-renewal now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/19/2026 Open-Master Policy Expiration Date of [Redacted] is Prior To the Transaction Date of [Redacted]pg 90 shows building coverage expired[Redacted] - Due Diligence Vendor-06/16/2026 |
Resolved-Master Policy Expiration Date of [Redacted]is Equal to or After the Transaction Date of[Redacted]Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/19/2026 Resolved-renewal now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9771674 | |||||
| 706 | D | A | D | A | A | A | D | A | Closed | FVAL1310 | 2026-06-16 11:25 | 2026-06-19 09:33 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-proof safe for occupancy now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Good morning, Project was Approved by [Redacted], please see attached. - Buyer-06/19/2026 Open-Safety qt on pg 372 says see cover sheet but no coversheet present. - Due Diligence Vendor-06/16/2026 |
Resolved-proof safe for occupancy now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9771912 | |||||
| 706 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-16 10:10 | 2026-06-18 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9770347 | ||||||
| 707 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 01:58 | 2026-06-18 07:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9759253 | ||||||
| 708 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 03:40 | 2026-06-18 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9762029 | ||||||
| 709 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-15 14:58 | 2026-06-19 09:36 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Coll UW now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/19/2026 Open-no value support in file - Due Diligence Vendor-06/15/2026 |
Resolved-Coll UW now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9754708 | |||||
| 709 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-15 12:29 | 2026-06-18 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9751593 | ||||||
| 710 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 07:50 | 2026-06-18 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9744033 | ||||||
| 711 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 08:35 | 2026-06-18 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9745204 | ||||||
| 712 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 21:48 | 2026-06-18 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9757718 | ||||||
| 713 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 09:57 | 2026-06-18 10:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9748457 | ||||||
| 714 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-06-15 12:11 | 2026-06-18 14:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-06/18/2026 Resolved-corrected signature line now present - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/18/2026 Open-The Note is Incomplete - the Note does not have the title of the signer. - Due Diligence Vendor-06/15/2026 |
Resolved-The Note is Present - Due Diligence Vendor-06/18/2026 Resolved-corrected signature line now present - Due Diligence Vendor-06/18/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9751191 | |||||
| 714 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-15 11:43 | 2026-06-18 07:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9750568 | ||||||
| 715 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 11:49 | 2026-06-18 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9750677 | ||||||
| 716 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 12:17 | 2026-06-18 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9773070 | ||||||
| 717 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 13:18 | 2026-06-18 07:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9752774 | ||||||
| 718 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 14:34 | 2026-06-17 15:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/17/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9754421 | ||||||
| 719 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 12:46 | 2026-06-18 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9751993 | ||||||
| 720 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-06-16 08:08 | 2026-06-17 11:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-This is acceptable. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. ICD uploaded - Buyer-06/16/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-06/16/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9765941 | |||||
| 720 | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2026-06-16 08:06 | 2026-06-17 11:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-This is acceptable. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. ICD uploaded - Buyer-06/16/2026 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-06/16/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9765907 | |||||
| 720 | D | A | D | A | D | A | A | A | Closed | FCRE2109 | 2026-06-16 06:20 | 2026-06-17 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-calc is now present - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Income calc worksheet uploaded - Buyer-06/16/2026 Open-Asset Depletion need income / asset depletion calculator - Due Diligence Vendor-06/16/2026 |
Resolved-calc is now present - Due Diligence Vendor-06/17/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9764124 | |||||
| 720 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-16 05:38 | 2026-06-16 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/16/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9763562 | ||||||
| 721 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 13:00 | 2026-06-18 12:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9752401 | ||||||
| 722 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 13:46 | 2026-06-18 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9753406 | ||||||
| 723 | D | A | D | A | D | A | A | A | Closed | FCOM3596 | 2026-06-15 13:16 | 2026-06-19 12:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-rider now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see attached recorded mortgage and riders including the prepayment rider. - Buyer-06/19/2026 Open-Prepayment Rider is missing in File for the DEED of TRUST (we have copy for NOTE but missing DEED OF TRUST RIDER) - Due Diligence Vendor-06/15/2026 |
Resolved-rider now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9752729 | |||||
| 723 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-15 13:15 | 2026-06-18 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9752726 | ||||||
| 724 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 07:08 | 2026-06-18 15:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9764697 | ||||||
| 725 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 14:37 | 2026-06-18 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9754448 | ||||||
| 726 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 15:12 | 2026-06-18 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9754885 | ||||||
| 727 | D | B | D | B | A | A | A | A | Closed | FCRE3091 | 2026-06-16 11:30 | 2026-06-22 09:08 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of [Redacted]is Equal to or After the Transaction Date of [Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/22/2026 Resolved-renewal now present - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. - Buyer-06/19/2026 Open-Master Policy Expiration Date of [Redacted] is Prior To the Transaction Date of [Redacted] no current policy noted - Due Diligence Vendor-06/16/2026 |
Resolved-Master Policy Expiration Date of [Redacted] is Equal to or After the Transaction Date of[Redacted] Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-06/22/2026 Resolved-renewal now present - Due Diligence Vendor-06/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9771990 | |||||
| 727 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-16 10:15 | 2026-06-18 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9770395 | ||||||
| 727 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-06-16 11:46 | 2026-06-16 11:46 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Waived-As per guide, Guideline prohibits non occupant co-borrowers on cash out refinances AND as the primary wage earner. *Exception form is provided to allow cash out and non occupant co bwr as primary wage earner. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 626 of 827 - Due Diligence Vendor-06/16/2026 - Due Diligence Vendor-06/16/2026 |
Waived-Waived-As per guide, Guideline prohibits non occupant co-borrowers on cash out refinances AND as the primary wage earner. *Exception form is provided to allow cash out and non occupant co bwr as primary wage earner. *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 626 of 827 - Due Diligence Vendor-06/16/2026 - Due Diligence Vendor-06/16/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9772383 | |||||
| 728 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 07:37 | 2026-06-18 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9765155 | ||||||
| 729 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-15 15:50 | 2026-06-18 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/15/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9755419 | ||||||
| 730 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 07:20 | 2026-06-18 14:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9764889 | ||||||
| 731 | D | A | D | A | D | A | A | A | Closed | FCOM1208 | 2026-06-16 10:50 | 2026-06-19 09:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-06/19/2026 Resolved-signature line corrected now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Buyer-06/18/2026 Open-The Note is Incomplete - signature line on the NOTE does not have the title of the signer - Due Diligence Vendor-06/16/2026 |
Resolved-The Note is Present - Due Diligence Vendor-06/19/2026 Resolved-signature line corrected now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9771148 | |||||
| 731 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-16 10:27 | 2026-06-18 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9770597 | ||||||
| 732 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 03:54 | 2026-06-19 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9786460 | ||||||
| 733 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 23:20 | 2026-06-19 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9783030 | ||||||
| 734 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-16 09:14 | 2026-06-19 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9767371 | ||||||
| 734 | D | B | D | B | A | A | A | A | Closed | FCRE6696 | 2026-06-16 09:42 | 2026-06-16 09:42 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Waived-As per guide, The borrower’s business used for qualifying purposes must have been in existence for at least two years. *Exception form is provided to allow business existence less than 2 years - 1 year and 9 months *Approved Conditions: [Redacted] Max, 0.25 to price *Exception form is on page # 67 of 144, loan application page 296 of 537 - Due Diligence Vendor-6/16/2026 - Due Diligence Vendor-06/16/2026 |
Waived-Waived-As per guide, The borrower’s business used for qualifying purposes must have been in existence for at least two years. *Exception form is provided to allow business existence less than 2 years - 1 year and 9 months *Approved Conditions: [Redacted] Max, 0.25 to price *Exception form is on page # 67 of 144, loan application page 296 of 537 - Due Diligence Vendor-6/16/2026 - Due Diligence Vendor-06/16/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 9769485 | |||||
| 735 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 08:12 | 2026-06-19 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9766004 | ||||||
| 736 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 08:46 | 2026-06-19 12:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9766658 | ||||||
| 737 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 21:55 | 2026-06-19 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9782351 | ||||||
| 738 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-17 11:21 | 2026-06-19 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9795600 | ||||||
| 738 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-06-17 13:14 | 2026-06-17 13:22 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Waived-As per guide, borrower must contribute at least 20% from their own funds on 1 Yr P&L loan with [Redacted]% Max CLTV. *Exception form is provided to allow < 20% borrower contribution *Approved Conditions: [Redacted] max *Exception form is on page #25 of 176 - Due Diligence Vendor-06/17/2026 |
Waived-Asset Qualification Does Not Meet Guideline Requirements Waived-As per guide, borrower must contribute at least 20% from their own funds on 1 Yr P&L loan with 80% Max CLTV. *Exception form is provided to allow < 20% borrower contribution *Approved Conditions: [Redacted] max *Exception form is on page #25 of 176 - Due Diligence Vendor-06/17/2026 |
Revolving debt is under 30%, 5 years on current job, and Residual Income >$3,000 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9797652 | |||||
| 739 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 01:01 | 2026-06-19 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9784387 | ||||||
| 740 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 10:58 | 2026-06-19 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9771246 | ||||||
| 741 | B | A | B | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 09:53 | 2026-06-22 10:31 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9769934 | ||||||
| 742 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 12:08 | 2026-06-19 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9772910 | ||||||
| 743 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 10:39 | 2026-06-19 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9770874 | ||||||
| 744 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-17 08:53 | 2026-06-19 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9791293 | ||||||
| 744 | D | B | D | B | A | A | A | A | Closed | FCRE8728 | 2026-06-17 10:41 | 2026-06-17 10:41 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Missing Payment History | Waived-Allow Subject Private mortgage extended twice to allow refinance No Delinquent payments pg 36 - Due Diligence Vendor-06/17/2026 | Waived-Allow Subject Private mortgage extended twice to allow refinance No Delinquent payments pg 36 - Due Diligence Vendor-06/17/2026 |
5 years on current job, DTI >=10% lower than loan program, 10 years or more in the same line of employment, 5+ years credit history Credit Decision Status & Date of Decision Approved With Conditions 06/04/2026 80 CLTV, 0.5 to price |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9794705 | |||||
| 745 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-16 15:51 | 2026-06-22 09:26 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-accepted lender calc for neg rents on subject as 1025 report supports rents to offset - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Please review uploaded DTI calculations. - Buyer-06/19/2026 Open-*DTI is off by 8.77, lender DTI is 44.15% *DTI difference Reason is lender considered Tax and insurance while calculating 1st lien *DTI should be PHE $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted] / Income of $[Redacted] = 52.92%, DTI which is 52.92% - Due Diligence Vendor-06/16/2026 |
Resolved-accepted lender calc for neg rents on subject as 1025 report supports rents to offset - Due Diligence Vendor-06/22/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9780531 | |||||
| 745 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 13:33 | 2026-06-19 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.t - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.t - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9774757 | ||||||
| 746 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-16 14:44 | 2026-06-19 08:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9779598 | ||||||
| 747 | D | B | D | A | D | A | B | B | Closed | FCRE9991 | 2026-06-16 16:28 | 2026-06-22 13:31 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender addressed UDM debt added to DTI, now matches - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. Please see attached email from UW. Per UW "There is a UDM debt from the debt monitoring during the life of the loan. This does not appear on credit but was added per our process." - Buyer-06/22/2026 Counter-your debts of $[Redacted] do not match the credit report in file pg 705 - Due Diligence Vendor-06/19/2026 Ready for Review-DTI calculations = [Redacted] (total all monthly payment $[Redacted] primary housing total amount) * 100 / $[Redacted] total income = 24.803%). Please advise. - Buyer-06/18/2026 Open-*DTI is off by 2.243 DTI should be 22.56%. Approval is 24.80%. PITIA is $[Redacted] + Debts from Credit report of $[Redacted]/ Income of $[Redacted]= 22.56% Reason: Unable to identify how lender Calculate the DTI - Due Diligence Vendor-06/16/2026 |
Resolved-lender addressed UDM debt added to DTI, now matches - Due Diligence Vendor-06/22/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9780808 | |||||
| 747 | D | B | D | A | D | A | B | B | Closed | FCOM9970 | 2026-06-16 17:28 | 2026-06-19 10:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Service Provider List provided is acceptable. - Due Diligence Vendor-06/19/2026 Ready for Review- - Due Diligence Vendor-06/19/2026 Ready for Review-Please see the service provider list that was uploaded. - Seller-06/19/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Unable to complete Compliance testing without the Service Provider List. - Due Diligence Vendor-06/16/2026 |
Ready for Review-Please see the service provider list that was uploaded. - Seller-06/19/2026 |
Resolved-Service Provider List provided is acceptable. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9781259 | |||||
| 747 | D | B | D | A | D | A | B | B | Closed | FCOM1797 | 2026-06-16 17:18 | 2026-06-19 10:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-This is acceptable. - Due Diligence Vendor-06/19/2026 Resolved-SPL now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please see attached service provider list. - Buyer-06/19/2026 Open-Provide the missing initial Service Provider List. - Due Diligence Vendor-06/16/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-06/19/2026 Resolved-SPL now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9781184 | |||||
| 747 | D | B | D | A | D | A | B | B | Closed | FCOM4028 | 2026-06-16 13:43 | 2026-06-18 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/16/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9775021 | ||||||
| 747 | D | B | D | A | D | A | B | B | Closed | FPRO1149 | 2026-06-16 15:20 | 2026-06-16 16:18 | Waived | 2 - Non-Material | B | B | Property | Property | Property is Lease Hold | Waived-Property Rights are Lease Hold Exception form provided for Leasehold on NQM Exception form page#344 Approved With Conditions: 0.25 to price, [Redacted] max, FNMA guidelines must be met - Due Diligence Vendor-06/16/2026 |
Waived-Property Rights are Lease Hold Exception form provided for Leasehold on NQM Exception form page#344 Approved With Conditions: 0.25 to price, [Redacted] max, FNMA guidelines must be met - Due Diligence Vendor-06/16/2026 |
DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 9780155 | |||||
| 748 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 07:26 | 2026-06-19 15:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9789524 | ||||||
| 749 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-17 08:26 | 2026-06-19 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9790854 | ||||||
| 749 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-06-17 09:20 | 2026-06-17 09:20 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Waived-As per guide, The project has deficiencies, defects, substantial damage, or deferred maintenance are ineligible. *Exception form is provided to allow Special assessments, repairs required (sundeck, elevator modernization, concrete, waterproofing work,etc) *Approved Conditions: 0.5 to price, [Redacted] max, confirmation from the HOA or certified engineer that subject building is safe for occupancy is required (not older than 6 months) *Exception form is on page # 37 of 199, Condo Questionnaire page 476 of 733, Appraisal page 3 of 733, Inspection page 469 of 733 - Due Diligence Vendor-6/17/2026 - Due Diligence Vendor-06/17/2026 |
Waived-Waived-As per guide, The project has deficiencies, defects, substantial damage, or deferred maintenance are ineligible. *Exception form is provided to allow Special assessments, repairs required (sundeck, elevator modernization, concrete, waterproofing work,etc) *Approved Conditions: 0.5 to price, [Redacted] max, confirmation from the HOA or certified engineer that subject building is safe for occupancy is required (not older than 6 months) *Exception form is on page # 37 of 199, Condo Questionnaire page 476 of 733, Appraisal page 3 of 733, Inspection page 469 of 733 - Due Diligence Vendor-6/17/2026 - Due Diligence Vendor-06/17/2026 |
5 years on current job, Residual income >=3000$, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9792108 | |||||
| 750 | D | A | D | A | A | A | D | A | Closed | FPRO1243 | 2026-06-18 01:22 | 2026-06-25 09:34 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal is Missing | Resolved-lender verified via appraiser that there were no prior sales in last 12 - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. - Buyer-06/24/2026 Open-Date Property Purchased/Acquired within 12 months (5 months) and Sales price $[Redacted] is increased more than 20% ($[Redacted]) of prior sales price $[Redacted] Hence, second full Appraisal required - Due Diligence Vendor-06/18/2026 |
Resolved-lender verified via appraiser that there were no prior sales in last 12 - Due Diligence Vendor-06/25/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9810575 | |||||
| 750 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-17 11:08 | 2026-06-22 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9795269 | ||||||
| 751 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 21:58 | 2026-06-22 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9808999 | ||||||
| 752 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-06-18 07:52 | 2026-06-23 08:10 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-wire now present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Buyer-06/22/2026 Open-Asset Qualification Does Not Meet Guideline Requirements missing 22k gift wire - Due Diligence Vendor-06/18/2026 |
Resolved-wire now present - Due Diligence Vendor-06/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9817199 | |||||
| 752 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 06:41 | 2026-06-22 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9815475 | ||||||
| 753 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-18 07:18 | 2026-06-23 11:32 | Cured | 1 - Information | D | A | Property | Value | Appraised value unsupported | Cured-post close value support present now - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-Collateral Underwrite graded as a 3.1. Missing Appraised value support within 10% of appraisal value. - Due Diligence Vendor-06/18/2026 |
Cured-post close value support present now - Due Diligence Vendor-06/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9816353 | |||||
| 753 | D | A | D | A | A | A | D | A | Closed | FCRE1145 | 2026-06-18 06:23 | 2026-06-19 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/19/2026 Resolved-title now present - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Buyer-06/18/2026 Open-Title Document is missing - Due Diligence Vendor-06/18/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/19/2026 Resolved-title now present - Due Diligence Vendor-06/19/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9815028 | |||||
| 753 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-17 14:24 | 2026-06-18 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9799461 | ||||||
| 754 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-17 12:25 | 2026-06-23 11:36 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-corrected DTI now present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. fixed - Buyer-06/23/2026 Open-*DTI is off by 3.04, lender DTI is 48.99% *Income and PITIA is matches *DTI difference is unable to identify how lender calculated *DTI should be PITIA $[Redacted] + Debts from Credit report of $[Redacted] + negative rents used of $[Redacted] / Income of $[Redacted] = 45.95% - Due Diligence Vendor-06/17/2026 |
Resolved-corrected DTI now present - Due Diligence Vendor-06/23/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9796889 | |||||
| 754 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 09:52 | 2026-06-22 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9793601 | ||||||
| 755 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 08:38 | 2026-06-29 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9791046 | ||||||
| 756 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 08:10 | 2026-06-22 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved- Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9790523 | ||||||
| 757 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-06-18 09:55 | 2026-06-23 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-missing mtg pay history now present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see attached payment history. - Buyer-06/23/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing pay history for subject lien being paid off with [Redacted] . since it is a mortgage on subject we need pay history - Due Diligence Vendor-06/18/2026 |
Resolved-missing mtg pay history now present - Due Diligence Vendor-06/23/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9821615 | |||||
| 757 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 08:51 | 2026-06-22 10:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9819152 | ||||||
| 758 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-17 09:59 | 2026-06-22 08:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9793716 | ||||||
| 758 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-17 10:55 | 2026-06-17 10:55 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide minimum Loan Amount is [Redacted] Exception is provided to proceed the loan with Loan Amount <[Redacted] Exception is on pg 14 of 117 Approved With Conditions [Redacted] MAX & 0.25 to price - Due Diligence Vendor-06/17/2026 |
Waived-As per guide minimum Loan Amount is [Redacted] Exception is provided to proceed the loan with Loan Amount <[Redacted] Exception is on pg 14 of 117 Approved With Conditions [Redacted] MAX & 0.25 to price - Due Diligence Vendor-06/17/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Repeated client with AD Mortgage, never delinquent on mortgage accounts, DSCR>1.5 | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9794936 | |||||
| 759 | D | A | A | A | D | A | A | A | Closed | FCOM1221 | 2026-06-19 13:41 | 2026-06-26 12:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-PUD removed from deed - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. pud rider is removed please see the attached updated docs - Buyer-06/26/2026 Open-The Deed of Trust is Incomplete Subject property type is PUD per Appraisal Report in page #199_[Redacted] Credit package 1.pdf and PUD Rider in page #362_[Redacted] Credit package 1.pdf whereas per recent lock agreement in page #15_[Redacted] Credit package 2.pdf and tape data - subject property type mentioned as Single Family Detached. Please confirm. PUD indication not check marked in DOT - Due Diligence Vendor-06/19/2026 |
Resolved-PUD removed from deed - Due Diligence Vendor-06/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9848067 | |||||
| 760 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 22:22 | 2026-06-22 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9809221 | ||||||
| 761 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-18 01:36 | 2026-06-22 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9810672 | ||||||
| 761 | D | B | D | A | A | A | B | B | Closed | FVAL5385 | 2026-06-18 05:04 | 2026-06-18 12:29 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Subject property listed for sale for $[Redacted] on [Redacted] and price changes to $[Redacted] on [Redacted] which is within 6 months from closing date [Redacted] and is not allowed per guidelines, However exception document is in page # 16 of Credit package 2.pdf - Due Diligence Vendor-06/18/2026 | Waived-Subject property listed for sale for $[Redacted] on [Redacted] and price changes to $[Redacted] on [Redacted] which is within 6 months from closing date [Redacted] and is not allowed per guidelines, However exception document is in page # 16 of Credit package 2.pdf - Due Diligence Vendor-06/18/2026 |
No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months- No Mortgage late payments in CBR Page #202 of Credit Package 2.pdf No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #202 of Credit Package 2.pdf Credit score >40 points than minimum required- Audited FICO 766 and Guideline maximum FICO 700 with difference 66 which is greater than 40 Reserves >6 months-Calculated reserves in File is 34.28 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9813565 | |||||
| 762 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-18 08:58 | 2026-06-23 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see attached fraud guard report. - Buyer-06/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/18/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9819476 | |||||
| 762 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 06:39 | 2026-06-22 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9815402 | ||||||
| 763 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2026-06-18 12:32 | 2026-06-24 08:41 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Feb and March statements and clears finding - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/23/2026 Open-Income and Employment Do Not Meet Guidelines asset depletion used for income and 3 months asset seasoning, we only have 1 month. missing Feb and mar - Due Diligence Vendor-06/18/2026 |
Resolved-Received Feb and March statements and clears finding - Due Diligence Vendor-06/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9826502 | |||||
| 763 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 11:15 | 2026-06-22 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9824203 | ||||||
| 764 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 12:03 | 2026-06-22 11:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9796515 | ||||||
| 765 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-17 13:32 | 2026-06-22 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9798067 | ||||||
| 765 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-06-17 15:28 | 2026-06-18 03:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements *As per guide there should not be 30 day late payment in past 12 months *Exception is provided to proceed the loan with 30 day late payment in past 12 months *Exception is on pg 9 of 191 *Approved With Conditions [Redacted] MAX & 0.5 to price - Due Diligence Vendor-06/17/2026 |
Waived-Housing History Does Not Meet Guideline Requirements *As per guide there should not be 30 day late payment in past 12 months *Exception is provided to proceed the loan with 30 day late payment in past 12 months *Exception is on pg 9 of 191 *Approved With Conditions [Redacted] MAX & 0.5 to price - Due Diligence Vendor-06/17/2026 |
*10 years or more in the same line of employment, 5+ years credit history, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9800923 | |||||
| 766 | D | A | D | A | A | A | A | A | Closed | FCRE1226 | 2026-06-17 14:16 | 2026-06-23 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-appr transfer doc now present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please see the AVM. - Buyer-06/23/2026 Open-Appraisal Transfer in file and Secondary valuation is missing in file - Due Diligence Vendor-06/17/2026 |
Resolved-appr transfer doc now present - Due Diligence Vendor-06/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9799193 | |||||
| 766 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 12:59 | 2026-06-22 10:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9797266 | ||||||
| 767 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 13:12 | 2026-06-22 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9797605 | ||||||
| 768 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 07:28 | 2026-06-22 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9816573 | ||||||
| 769 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2026-06-18 08:25 | 2026-06-29 11:24 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-06/29/2026 Resolved-1004D now present - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. 1004D uploaded - Buyer-06/29/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis no 442 in file - Appraiser identified mold issue pages 355 , 368 - Due Diligence Vendor-06/18/2026 |
Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-06/29/2026 Resolved-1004D now present - Due Diligence Vendor-06/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9818299 | |||||
| 769 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-06-18 07:41 | 2026-06-18 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9816893 | ||||||
| 770 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 14:19 | 2026-06-22 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9799233 | ||||||
| 771 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-17 14:14 | 2026-06-22 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/17/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9799151 | ||||||
| 772 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 07:46 | 2026-06-22 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9816993 | ||||||
| 773 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 07:26 | 2026-06-22 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9816551 | ||||||
| 774 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-18 08:32 | 2026-06-22 15:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9818480 | ||||||
| 774 | D | B | D | B | A | A | A | A | Closed | FCRE1200 | 2026-06-18 09:35 | 2026-06-22 15:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-*As per guide minimum loan amount [Redacted] is required *Exception form is provided to allow 75% LA of [Redacted] *Approved Conditions [Redacted], 0.25 to price *Exception Form is on pg. no 121 of 136 - Due Diligence Vendor-06/18/2026 |
Waived-*As per guide minimum loan amount [Redacted] is required *Exception form is provided to allow 75% LA of [Redacted] *Approved Conditions [Redacted], 0.25 to price *Exception Form is on pg. no 121 of 136 - Due Diligence Vendor-06/18/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9820534 | |||||
| 775 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 07:55 | 2026-06-22 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9817248 | ||||||
| 776 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 07:32 | 2026-06-23 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9841532 | ||||||
| 777 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 10:08 | 2026-06-23 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9844692 | ||||||
| 778 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 05:01 | 2026-06-23 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9839630 | ||||||
| 779 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-06-18 07:53 | 2026-06-24 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/24/2026 Resolved-Received Flood Cert - zone X - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/23/2026 Open-Missing Flood Certificate no flood in file - Due Diligence Vendor-06/18/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/24/2026 Resolved-Received Flood Cert - zone X - Due Diligence Vendor-06/24/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9817218 | |||||
| 779 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 06:52 | 2026-06-23 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9815747 | ||||||
| 780 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 11:11 | 2026-06-23 12:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9824076 | ||||||
| 781 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 08:42 | 2026-06-18 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/18/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9818898 | ||||||
| 782 | D | A | D | A | A | A | A | A | Closed | FCRE1479 | 2026-06-18 09:26 | 2026-06-24 08:44 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Plaid that supports balance - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. please see the attached - Buyer-06/23/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Need assets document to verify amount $[Redacted] and also EMD proof of $[Redacted] is Missing Doc in file - Due Diligence Vendor-06/18/2026 |
Resolved-Received Plaid that supports balance - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9820381 | |||||
| 782 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 07:59 | 2026-06-22 16:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9817354 | ||||||
| 783 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 08:05 | 2026-06-22 15:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9817472 | ||||||
| 784 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-18 10:39 | 2026-06-23 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9823038 | ||||||
| 784 | D | B | D | B | A | A | A | A | Closed | FCRE4369 | 2026-06-18 13:07 | 2026-06-23 07:42 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Mortgage/Rental lates exceed guidelines | Waived-*As per guide 30-day late payment is not allowed *Exception form is provided to allow 30-day mortgage late in January 2026 *Approved Conditions [Redacted] %LTV & 0.5 to price *Exception Form is on pg. no 23 of 107 - Due Diligence Vendor-06/18/2026 |
Waived-*As per guide 30-day late payment is not allowed *Exception form is provided to allow 30-day mortgage late in January 2026 *Approved Conditions [Redacted] %LTV & 0.5 to price *Exception Form is on pg. no 23 of 107 - Due Diligence Vendor-06/18/2026 |
5+ years credit history, 2+ borrowers on the loan, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9827334 | |||||
| 785 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 07:15 | 2026-06-23 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9841200 | ||||||
| 786 | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2026-06-19 08:14 | 2026-06-24 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Trust document - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. please see the attached doc - Buyer-06/24/2026 Open-Borrower signed with Trust per page #408 & 440_[Redacted] Credit package 1.pdf but Trust Agreement missing in file to verify Guideline requirements. - Due Diligence Vendor-06/19/2026 |
Resolved-Received Trust document - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9842832 | |||||
| 786 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 02:54 | 2026-06-23 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9838168 | ||||||
| 787 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 12:31 | 2026-06-23 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9847063 | ||||||
| 788 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-18 10:46 | 2026-06-24 08:39 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received appraisal support - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the SSR CU score 1. - Buyer-06/24/2026 Open-Need supporting secondary valuation doc to support the appraised value. - Due Diligence Vendor-06/18/2026 |
Resolved-Received appraisal support - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9823365 | |||||
| 788 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-18 09:32 | 2026-06-23 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9820493 | ||||||
| 789 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 10:53 | 2026-06-23 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9845455 | ||||||
| 790 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 22:05 | 2026-06-23 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9836953 | ||||||
| 791 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-19 00:21 | 2026-06-23 10:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9837516 | ||||||
| 791 | D | B | D | B | A | A | A | A | Closed | FCRE8860 | 2026-06-19 02:35 | 2026-06-19 04:17 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-Calculated DSCR is 0.878 which is less than for First Time Home Buyer Minimum DSCR is 1.00, However Exception Form is in file page no #545. - Due Diligence Vendor-06/19/2026 | Waived-Calculated DSCR is 0.878 which is less than for First Time Home Buyer Minimum DSCR is 1.00, However Exception Form is in file page no #545. - Due Diligence Vendor-06/19/2026 |
1. No Consumer late payments in the last 24 months- No Consumer late payments in past 24 months, per CBR Page #638 2. 5+ years credit history- Oldest tradeline date in CBR page #638 is 12/01/2013, 3. 5.Credit score >40 points than minimum required- Audited FICO Score is 804, Guideline Maximum FICO Score is 680 difference is 124, Which is Greater than 40. 4. LTV 10% below maximum - Calculated CLTV 58.62% which is less than 10% below Maximum CLTV 70% for FTHB. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9838098 | |||||
| 792 | D | A | D | A | A | A | A | A | Closed | FCRE9994 | 2026-06-23 10:52 | 2026-06-24 08:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Resolved-Proof received of sales price - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. As per provided final settlement statement borrower purchase property with Price of $[Redacted] Currently updated last sales price for LTV calculation, maximum CLTV is [Redacted]%. - Buyer-06/24/2026 Open-Cash out seasoning: 6-12 months subject property was not listed for sale after the initial purchase, the appraised value will be used for qualification. However lender has used prior sales price for LTV calcluation. Tape LTV is [Redacted]% & File's LTV is [Redacted]% - Due Diligence Vendor-06/23/2026 |
Resolved-Proof received of sales price - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9893282 | |||||
| 792 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 03:47 | 2026-06-23 10:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9839087 | ||||||
| 793 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 11:49 | 2026-06-23 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9825144 | ||||||
| 794 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 13:05 | 2026-06-23 11:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9827320 | ||||||
| 795 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 11:16 | 2026-06-19 11:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/19/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9824233 | ||||||
| 796 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 11:01 | 2026-06-23 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9823818 | ||||||
| 797 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 12:13 | 2026-06-23 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9825936 | ||||||
| 798 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 14:25 | 2026-06-23 09:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9830062 | ||||||
| 799 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 14:01 | 2026-06-23 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9828924 | ||||||
| 800 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-19 09:01 | 2026-06-23 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9843628 | ||||||
| 800 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-06-19 11:36 | 2026-06-19 11:36 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Exception is provided to proceed with Foster care no 12m history + more 30% of gross income Approved With Conditions 05/12/2026 [Redacted] MAX & 0.25 to price Exception form page #82 of 159 - Due Diligence Vendor-06/19/2026 |
Waived-Exception is provided to proceed with Foster care no 12m history + more 30% of gross income Approved With Conditions 05/12/2026 [Redacted] MAX & 0.25 to price Exception form page #82 of 159 - Due Diligence Vendor-06/19/2026 |
Several income sources and DTI below 45%, No credit events past 40 months, Credit score >40 points than minimum required | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9846122 | |||||
| 801 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 14:34 | 2026-06-23 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9830333 | ||||||
| 802 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 14:14 | 2026-06-23 09:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9829312 | ||||||
| 803 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-18 15:58 | 2026-06-23 13:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/18/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9833043 | ||||||
| 804 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 05:44 | 2026-06-23 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9840416 | ||||||
| 805 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-06-19 07:47 | 2026-06-23 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9842414 | ||||||
| 805 | D | B | D | B | A | A | B | B | Closed | FVAL5474 | 2026-06-19 10:21 | 2026-06-23 14:08 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As per guide HOA should be in the control of unit owners Exception is provided for to allow HOA control not turned over to the unit owners Approved Conditions : 0.25 to price Exception Form page no 52 of 180 - Due Diligence Vendor-06/19/2026 |
Waived-As per guide HOA should be in the control of unit owners Exception is provided for to allow HOA control not turned over to the unit owners Approved Conditions : 0.25 to price Exception Form page no 52 of 180 - Due Diligence Vendor-06/19/2026 |
Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9844829 | |||||
| 805 | D | B | D | B | A | A | B | B | Closed | FCRE1317 | 2026-06-19 10:18 | 2026-06-19 10:18 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-As per guide Employment history should be 2 years Exception is provided for to allow Less than 2 years of employment history Approved Conditions : as is Exception Form page no 51 of 180 - Due Diligence Vendor-06/19/2026 |
Waived-As per guide Employment history should be 2 years Exception is provided for to allow Less than 2 years of employment history Approved Conditions : as is Exception Form page no 51 of 180 - Due Diligence Vendor-06/19/2026 |
Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9844781 | |||||
| 806 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 06:31 | 2026-06-23 10:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9860592 | ||||||
| 807 | D | A | D | A | A | A | A | A | Closed | FCRE8860 | 2026-06-22 01:39 | 2026-06-24 08:34 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Resolved-Proof of short term rent received and now dscr matches. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. 75% of STR (total [Redacted]) was used. Per [Redacted] annual income, $[Redacted] monthly income + $[Redacted]annual income, $[Redacted]0 monthly income. Property address and [Redacted] ID - [Redacted]. - Buyer-06/24/2026 Open-Minimum DSCR per Guidelines is 1 (second lien loan) whereas calculated DSCR is 0.420 and originator DSCR 1.003 with variance 0.583. Lender considered rent amount $[Redacted] whereas supporting document missing in file to verify the same. DSCR calculation as follows- Rent amount $[Redacted] / PITIA $[Redacted]= 0.420 Considered Rent amount from [Redacted] in Page #121 - Credit Package2.pdf. 1007 in page #20_[Redacted] Credit package 1.pdf [Redacted] rental income calculation : Gross rents of 2025 $[Redacted] which is higher than 1007 rental income. 1007 rental income calculation : $[Redacted] - Due Diligence Vendor-06/22/2026 |
Resolved-Proof of short term rent received and now dscr matches. - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9853404 | |||||
| 807 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-21 22:47 | 2026-06-23 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9852447 | ||||||
| 808 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-20 07:30 | 2026-06-24 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/20/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9850474 | ||||||
| 809 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 00:17 | 2026-06-23 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9852981 | ||||||
| 810 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 03:22 | 2026-06-23 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9853816 | ||||||
| 811 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 07:52 | 2026-06-23 15:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9842529 | ||||||
| 812 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 08:57 | 2026-06-24 08:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9843566 | ||||||
| 813 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 06:48 | 2026-06-24 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9860744 | ||||||
| 814 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 12:58 | 2026-06-24 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9847436 | ||||||
| 815 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-06-19 12:29 | 2026-06-25 09:35 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-now present - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. please see the attached docs - Buyer-06/24/2026 Open-1008 and Approval is missing - Due Diligence Vendor-06/19/2026 |
Resolved-now present - Due Diligence Vendor-06/25/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9847041 | |||||
| 815 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 10:22 | 2026-06-24 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9844834 | ||||||
| 816 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 09:43 | 2026-06-24 11:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9844401 | ||||||
| 817 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 13:57 | 2026-06-24 09:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9848289 | ||||||
| 818 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-22 00:37 | 2026-06-24 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report and is low risk - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please see the Fraud Report. - Buyer-06/24/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/22/2026 |
Resolved-Received Fraud report and is low risk - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9853056 | |||||
| 818 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-21 22:25 | 2026-06-23 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9852091 | ||||||
| 819 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-19 13:42 | 2026-06-24 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/19/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9848079 | ||||||
| 820 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 08:10 | 2026-06-22 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9862349 | ||||||
| 821 | D | B | D | B | A | A | A | B | Closed | FCRE1480 | 2026-06-22 11:11 | 2026-06-23 12:40 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-lender acceptes Care of as proof of ownership. TPR accepts this - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Ready for Review-DSCR file,borrower is listed as owner on account [Redacted] -no need for ownership for [Redacted] - Seller-06/23/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Assets held in [Redacted] - need evidence of 100% ownership of this entity. - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. - Seller-06/23/2026 Ready for Review-DSCR file,borrower is listed as owner on account [Redacted] -no need for ownership for [Redacted] - Seller-06/23/2026 |
Resolved-lender acceptes [Redacted] of as proof of ownership. TPR accepts this - Due Diligence Vendor-06/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9868858 | ||||
| 821 | D | B | D | B | A | A | A | B | Closed | FCRE6843 | 2026-06-22 11:10 | 2026-06-23 12:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-wire now present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please review uploaded wire - Buyer-06/23/2026 Open-missing [Redacted] Closing funds gift wire to title from donor - . - Due Diligence Vendor-06/22/2026 |
Resolved-wire now present - Due Diligence Vendor-06/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9868794 | |||||
| 821 | D | B | D | B | A | A | A | B | Closed | FPRO1135 | 2026-06-22 11:00 | 2026-06-23 12:18 | Acknowledged | 2 - Non-Material | A | B | Property | Appraisal | Primary Value Valuation Date is after the Note Date | Acknowledged-lender provided explanation as to why value is post close. TPR accepts this and acknowledges post close value product. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. We had 2 appraisal reports on file one dated [Redacted] and second [Redacted]. The reason why primary is dated [Redacted] since non of the secondary valaution product supported the value and we ordered the second appraisal. - Buyer-06/23/2026 Open-Primary Value Valuation Date of [Redacted] is after the Note Date of [Redacted] Primary value used of $[Redacted] is dated after note date of [Redacted]. Please address why there was not acceptable value pulled prior to closing - Due Diligence Vendor-06/22/2026 |
Acknowledged-lender provided explanation as to why value is post close. TPR accepts this and acknowledges post close value product. - Due Diligence Vendor-06/23/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Post-Close | No | 9868353 | |||||
| 821 | D | B | D | B | A | A | A | B | Closed | FCOM4028 | 2026-06-22 10:29 | 2026-06-22 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9867125 | ||||||
| 821 | D | B | D | B | A | A | A | B | Closed | FCRE1200 | 2026-06-22 11:19 | 2026-06-22 11:19 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow with LA<[Redacted] *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 397 of 598 - Due Diligence Vendor-06/22/2026 - Due Diligence Vendor-06/22/2026 |
Waived-Waived-As per guide, Guideline Minimum Loan Amount is [Redacted] *Exception form is provided to allow with LA<[Redacted] *Approved Conditions: [Redacted] max, 0.25 to price *Exception form is on page # 397 of 598 - Due Diligence Vendor-06/22/2026 - Due Diligence Vendor-06/22/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9868992 | |||||
| 822 | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2026-06-22 12:32 | 2026-06-24 08:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved- - Due Diligence Vendor-06/24/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-06/24/2026 Resolved-Received fraud report and is low risk - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. OFAC was cleared-FG re-uploaded - Buyer-06/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-06/22/2026 |
Resolved-Received fraud report and is low risk - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9871912 | |||||
| 822 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-22 12:32 | 2026-06-24 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/24/2026 Resolved-Received Fraud report and it is low risk - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. FG uploaded - Buyer-06/23/2026 Open-Missing Third Party Fraud Report Fraud in file, page 274, is for another individual/borrower - not ours. - Due Diligence Vendor-06/22/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/24/2026 Resolved-Received Fraud report and it is low risk - Due Diligence Vendor-06/24/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9871913 | |||||
| 822 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 11:52 | 2026-06-22 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9870357 | ||||||
| 823 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 22:52 | 2026-06-23 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9880023 | ||||||
| 824 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 22:38 | 2026-06-23 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9879972 | ||||||
| 825 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-06-23 04:58 | 2026-06-26 08:28 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-lender waived the requirement for a bank statement for proceeds. Most recent 30-day asset statement was not provided - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/26/2026 Open-Asset Qualification Does Not Meet Guideline Requirements missing most recent 30 day asset statement(s) . None in file - Due Diligence Vendor-06/23/2026 |
Waived-lender waived the requirement for a bank statement for proceeds. Most recent 30-day asset statement was not provided - Due Diligence Vendor-06/26/2026 |
Compensating Factors DTI >=10% lower than loan program, LTV 10% below maximum, Credit score >40 points than minimum required |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 9884168 | ||||
| 825 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-23 04:31 | 2026-06-24 15:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9883684 | ||||||
| 826 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-22 10:28 | 2026-06-26 08:33 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-updated lease extension is now present and has all lease info required. dscr now matches - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Property is tenant, $[Redacted] is considered per lease extension applied /16% exceed. - Buyer-06/26/2026 Open-*DSCR is off by 0.149. Lender's score 1.052 *Lender 1008 indicates a rent of $[Redacted]. Docs in file, 1007 page 16 reflect $[Redacted]. PITI Matches. No lease or other indicator to support rent per Lender if any. *Calculation [Redacted] = 0.903 should be the actual score. *DSCR score difference reason is unable to identify how lender calculated - Due Diligence Vendor-06/22/2026 |
Resolved-updated lease extension is now present and has all lease info required. dscr now matches - Due Diligence Vendor-06/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9867076 | |||||
| 826 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 08:17 | 2026-06-24 15:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9862487 | ||||||
| 827 | D | B | D | B | A | A | A | A | Closed | FCRE1145 | 2026-06-22 10:01 | 2026-06-25 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please see the preliminary title. - Buyer-06/25/2026 Open-Title Document is missing Title document is missing in file - Due Diligence Vendor-06/22/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/25/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9866120 | |||||
| 827 | D | B | D | B | A | A | A | A | Closed | FCRE1168 | 2026-06-22 09:55 | 2026-06-25 09:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-replacement cost verbiage now present - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please see the policy provides replacement cost coverage of the insured property. - Buyer-06/25/2026 Open-Replacement cost is not available since the loan amount is [Redacted] and policy is of [Redacted] - Due Diligence Vendor-06/22/2026 |
Resolved-replacement cost verbiage now present - Due Diligence Vendor-06/25/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9865973 | |||||
| 827 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-22 08:25 | 2026-06-24 12:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9862816 | ||||||
| 827 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-06-22 10:01 | 2026-06-22 10:01 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-As per guide 30 days late payment is not allowed Exception is provided for to allow 2 30 day late payments in the last 12 months per VOM Approved Conditions : [Redacted] MAX & 0.5 to price Exception Form page no 589 - Due Diligence Vendor-06/22/2026 |
Waived-As per guide 30 days late payment is not allowed Exception is provided for to allow 2 30 day late payments in the last 12 months per VOM Approved Conditions : [Redacted] MAX & 0.5 to price Exception Form page no 589 - Due Diligence Vendor-06/22/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9866100 | |||||
| 828 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 10:15 | 2026-06-24 15:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9866567 | ||||||
| 829 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 07:30 | 2026-06-24 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9861465 | ||||||
| 830 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2026-06-23 08:50 | 2026-06-25 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-lender provided proof that mtg on reo is paid. updated and TPR dti now matches - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please see the screenshots of mortgage paid in full. This requires a mortgage to be marked as 0. Borrowers still own the property which is why we are still hitting for taxes, insurance, HOA. - Buyer-06/25/2026 Open-Max DTI for loan amounts over [Redacted] is 50%. TPR DTI is 50.55%. Lender did not count the full PITIA on REO against borrower Pg 1 has [Redacted]/mo for HOA fees +$[Redacted] PITI (pg 20) and this mtg is also on credit. Total PITIA is [Redacted] and makes DTI over 50%. Need updated tape for correct DTI and an exception - Due Diligence Vendor-06/23/2026 |
Resolved-lender provided proof that mtg on reo is paid. updated and TPR dti now matches - Due Diligence Vendor-06/25/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9889402 | |||||
| 830 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 06:44 | 2026-06-23 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9886121 | ||||||
| 831 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 14:03 | 2026-06-22 16:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9874177 | ||||||
| 832 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 09:32 | 2026-06-24 15:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9891531 | ||||||
| 833 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 10:54 | 2026-06-22 14:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/22/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9868234 | ||||||
| 834 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 07:42 | 2026-06-23 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9887043 | ||||||
| 835 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 10:15 | 2026-06-23 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9892614 | ||||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCRE1226 | 2026-06-22 16:18 | 2026-06-26 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal Transfer documentation is incomplete or partial | Resolved-avm is now present for transferred appr - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Good morning, Attached - Seller-06/26/2026 Counter-AVM Is required not SSR, 9.3.1 Regardless of SSR CU score, an eligible form of secondary valuation ([Redacted]-pulled AVM with confidence score of 90%+ an - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/25/2026 Open-*Appraisal transfer in file, However secondary valuation is missing in file - Due Diligence Vendor-06/22/2026 |
Ready for Review-Document Uploaded. Good morning, Attached - Seller-06/26/2026 |
Resolved-avm is now present for transferred appr - Due Diligence Vendor-06/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9876756 | ||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCRE1335 | 2026-06-24 19:59 | 2026-06-25 10:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/25/2026 Open-2 years tax returns present in file. Self employment. Wage transcripts present but 1040's are missing - Due Diligence Vendor-06/25/2026 |
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-06/25/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9927701 | |||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCRE1212 | 2026-06-22 16:45 | 2026-06-25 10:11 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-sale price is now verified on contract - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Good morning, Correct price was printed upper the previous one. Mistype was crossed with XXX signs. - Buyer-06/25/2026 Open-Purchase contract has not been fully provided *Purchase contract is on pg 1611 for this sales price is not matching, Need addendum to verify sales price $[Redacted] - Due Diligence Vendor-06/22/2026 |
Resolved-sale price is now verified on contract - Due Diligence Vendor-06/25/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9877263 | |||||
| 836 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 13:16 | 2026-06-23 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/23/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9872998 | ||||||
| 837 | D | B | D | B | A | A | C | A | Closed | FPRO1136 | 2026-06-23 07:21 | 2026-06-26 08:37 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-lender has reviewed comments from appraiser and they are minor and cosmetic in nature. - Due Diligence Vendor-06/26/2026 Ready for Review-As per appraiser it's cosmetic repairs ,1004 D is not required. - Buyer-06/25/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis in page #47_ [Redacted] Credit package 1.pdf - Due Diligence Vendor-06/23/2026 |
Resolved-lender has reviewed comments from appraiser and they are minor and cosmetic in nature. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9886609 | ||||||
| 837 | D | B | D | B | A | A | C | A | Closed | FCOM4028 | 2026-06-23 00:45 | 2026-06-24 15:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9880729 | ||||||
| 837 | D | B | D | B | A | A | C | A | Closed | FCRE1440 | 2026-06-23 03:04 | 2026-06-23 07:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements 30 day late payment not allowed with 12 months from closing date per Guidelines whereas Credit Report in page #515- [Redacted]Credit package 1.pdf reflects late payment on 07/2025. However, Exception is in page #37- [Redacted]Credit package 2.pdf - Due Diligence Vendor-06/23/2026 | Waived-Housing History Does Not Meet Guideline Requirements 30 day late payment not allowed with 12 months from closing date per Guidelines whereas Credit Report in page #515- [Redacted]Credit package 1.pdf reflects late payment on 07/2025. However, Exception is in page #37- [Redacted]Credit package 2.pdf - Due Diligence Vendor-06/23/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2.No Consumer late payments in the last 24 months- No Consumer late payments in past 24 months, per CBR Page #515- [Redacted] Credit package 1.pdf, 3.5+ years credit history- Oldest tradeline date in CBR page #515- [Redacted] Credit package 1.pdf is 01/01/2008, |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9881502 | |||||
| 838 | D | B | D | B | A | A | A | A | Closed | FCRE1501 | 2026-06-23 11:44 | 2026-06-26 08:55 | Waived | 2 - Non-Material | C | B | Credit | Assets | Liquid Funds Post-Close is less than Total Required Reserve Amount | Waived-no reserves- lender waived Comments Repeated [Redacted] Client since 2023 - no lates - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please see attached exception form for no reserves. - Buyer-06/25/2026 Open-Total Qualified Assets for Reserves Post-Close of $[Redacted] is less than Total Required Reserve Amount of $[Redacted] short reserves -[Redacted]. Business asset is in negative and personal asset only has [Redacted]. no cash back to use for reserves. - Due Diligence Vendor-06/23/2026 |
Waived-no reserves- lender waived Comments Repeated [Redacted] Client since 2023 - no lates - Due Diligence Vendor-06/26/2026 |
Compensating Factors Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Post-Close | Yes | 9895225 | ||||
| 838 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-23 11:07 | 2026-06-25 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9893790 | ||||||
| 839 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 14:49 | 2026-06-24 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9875057 | ||||||
| 840 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-22 14:21 | 2026-06-24 15:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/22/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9874456 | ||||||
| 841 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-06-23 06:12 | 2026-06-26 09:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-ins policy now present - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please review uploaded policy till [Redacted] - Buyer-06/25/2026 Open-Hazard Insurance Effective Date of [Redacted] is after the Note Date of [Redacted] prior policy not in file - page 8 reflects billing stmt for [Redacted] but no dec page is present. - Due Diligence Vendor-06/23/2026 |
Resolved-ins policy now present - Due Diligence Vendor-06/26/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9885558 | |||||
| 841 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 05:50 | 2026-06-24 15:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9885171 | ||||||
| 842 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 04:42 | 2026-06-25 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9909042 | ||||||
| 843 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 09:16 | 2026-06-25 07:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9913806 | ||||||
| 844 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-24 06:39 | 2026-06-25 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9910683 | ||||||
| 844 | D | B | D | A | A | A | B | B | Closed | FVAL6465 | 2026-06-24 14:39 | 2026-06-24 14:40 | Waived | 2 - Non-Material | B | B | Property | Property | Property is listed for sale | Waived-Subject property listed for sale on [Redacted] or $[Redacted] and withdrawn on[Redacted] per Appraisal Report in page #541_[Redacted].pdf which is within 6 months from closing date [Redacted]. However, Exception is in page #100_[Redacted] 2.pdf - Due Diligence Vendor-06/24/2026 | Waived-Subject property listed for sale on [Redacted] or $[Redacted] and withdrawn on [Redacted] per Appraisal Report in page #541_[Redacted].pdf which is within 6 months from closing date [Redacted]. However, Exception is in page #100_[Redacted] 2.pdf - Due Diligence Vendor-06/24/2026 |
Revolving debt is under 30%, - Revolving payments $206 is less than 30% of total payments $11,197.60 per CBR in page #169- [Redacted] 2.pdf No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months - No mortgage late payments per CBR in page #169- [Redacted] 2.pdf 5+ years credit history - Oldest tradeline date 01/01/2013 per CBR in page #169- [Redacted] 2.pdf which is more than 5 years from closing date 06/22/2026. Reserves >6 months - Total calculated reserves 12.93 months is greater than 6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9923394 | |||||
| 845 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-24 00:55 | 2026-06-25 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9906117 | ||||||
| 845 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-06-24 03:37 | 2026-06-24 05:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements LOE in page#196_[Redacted] Credit package 1.pdf given mortgage late payment is 08/2025 within 12 months from closing date which is not allowed per Guidelines, However Exception in page #39_[Redacted] Credit package 2.pdf. - Due Diligence Vendor-06/24/2026 | Waived-Housing History Does Not Meet Guideline Requirements LOE in page#196_[Redacted] Credit package 1.pdf given mortgage late payment is 08/2025 within 12 months from closing date which is not allowed per Guidelines, However Exception in page #39_[Redacted] Credit package 2.pdf. - Due Diligence Vendor-06/24/2026 |
Revolving debt is under 30% - Revolving Payment $0 is within 30% of all other total payments $14,551.48 No credit events past 40 months -No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history -Oldest tradeline date in CBR page #125_[Redacted] Credit package 2.pdf is 09/01/2004 No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #125_[Redacted] Credit package 2.pdf Credit score >40 points than minimum required- Guideline Min FICO is 700 and Qualifying FICO 774 , variance is 74 points Reserves >6 months - Qualifying Total Reserves Number of Months 10.79 > 6months Experienced investor- Borrower already owns investments properties per final 1003 in page#261_[Redacted] Credit package 1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9908467 | |||||
| 846 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 07:08 | 2026-06-25 07:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9886401 | ||||||
| 847 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 04:53 | 2026-06-25 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9909255 | ||||||
| 848 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 08:38 | 2026-06-25 09:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9889130 | ||||||
| 849 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 07:31 | 2026-06-25 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9911535 | ||||||
| 850 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 08:48 | 2026-06-25 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 9889336 | ||||||
| 851 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 07:49 | 2026-06-25 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9887201 | ||||||
| 852 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 08:12 | 2026-06-25 10:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9888043 | ||||||
| 853 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 07:42 | 2026-06-25 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9887039 | ||||||
| 854 | D | A | D | A | A | A | C | A | Closed | FPRO2525 | 2026-06-23 08:43 | 2026-06-26 09:19 | Resolved | 1 - Information | C | A | Property | Property | Insurance Deductible is Outside of Program Allowance | Resolved-lender confirmed there is no deductible on insurance - Due Diligence Vendor-06/26/2026 Ready for Review-Confirmed with agent, no deductible - Buyer-06/26/2026 Open-In the policy pg no. 15 OF 426 There is No Deductible Amount and as per LOX on page #19 the carrier does not offer a deductible - Due Diligence Vendor-06/23/2026 |
Resolved-lender confirmed there is no deductible on insurance - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9889224 | ||||||
| 854 | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2026-06-23 07:31 | 2026-06-25 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9886845 | ||||||
| 855 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 21:50 | 2026-06-25 15:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9905200 | ||||||
| 856 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 11:17 | 2026-06-25 11:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9894081 | ||||||
| 857 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 01:09 | 2026-06-25 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9906217 | ||||||
| 858 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 04:32 | 2026-06-25 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9908949 | ||||||
| 859 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 10:11 | 2026-06-25 14:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9892481 | ||||||
| 860 | D | A | D | A | A | A | D | A | Closed | FVAL8862 | 2026-06-23 09:15 | 2026-06-29 09:20 | Resolved | 1 - Information | D | A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-SSR now present and supports with CU score of 1 - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/29/2026 Open-Missing SSR and/or AVM to support value. - Due Diligence Vendor-06/23/2026 |
Resolved-SSR now present and supports with CU score of 1 - Due Diligence Vendor-06/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9890019 | |||||
| 860 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-23 08:41 | 2026-06-26 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9889197 | ||||||
| 861 | D | A | D | A | D | A | A | A | Closed | FCOM9970 | 2026-06-23 18:02 | 2026-06-26 15:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Missing Loan Estimate, Change of Circumstance and Initial CD provided are acceptable. - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. Please see attached initial CD, COC and LE. - Buyer-06/26/2026 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. - Missing the Initial CD, therefore unable to run compliance. There was also an addition of Discount points shown on the final CD without a COC. Missing COC showing $[Redacted] for Discount points. - Due Diligence Vendor-06/24/2026 |
Resolved-Missing Loan Estimate, Change of Circumstance and Initial CD provided are acceptable. - Due Diligence Vendor-06/26/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9903203 | |||||
| 861 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-23 15:15 | 2026-06-24 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/24/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9900785 | ||||||
| 862 | D | A | D | A | B | A | A | A | Closed | 123ABH | 2026-06-24 07:54 | 2026-06-25 10:19 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Toolkit Disclosure/Booklet | Resolved-proof took kit provided is now present - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Please see attached LOE regarding toolkit. - Buyer-06/24/2026 Open-Homeowner Toolkit is missing - Due Diligence Vendor-06/24/2026 |
Resolved-proof took kit provided is now present - Due Diligence Vendor-06/25/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9911989 | |||||
| 862 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-06-24 07:45 | 2026-06-24 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/24/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9911829 | ||||||
| 863 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 22:12 | 2026-06-26 08:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9905233 | ||||||
| 864 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 12:14 | 2026-06-25 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9896353 | ||||||
| 865 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 14:14 | 2026-06-25 15:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9899585 | ||||||
| 866 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-23 13:30 | 2026-06-25 15:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/23/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9898678 | ||||||
| 867 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-24 09:40 | 2026-06-30 07:45 | Cured | 1 - Information | D | A | Property | Value | Appraised value unsupported | Cured-post close desk review now present - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Please see the CDA. - Buyer-06/29/2026 Open-AVM in file but confidence level is below 90% at 78%. No SSR in file. - Due Diligence Vendor-06/24/2026 |
Cured-post close desk review now present - Due Diligence Vendor-06/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 9915410 | |||||
| 867 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-24 08:55 | 2026-06-24 11:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/24/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-06/24/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | 9913274 | ||||||
| 868 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 10:19 | 2026-06-26 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9916360 | ||||||
| 869 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 08:14 | 2026-06-26 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9912376 | ||||||
| 870 | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2026-06-26 11:47 | 2026-06-29 09:26 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-support product now present - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/29/2026 Open-Need supporting valuation doc to support appraised value. - Due Diligence Vendor-06/26/2026 |
Resolved-support product now present - Due Diligence Vendor-06/29/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9960024 | |||||
| 870 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-24 09:04 | 2026-06-26 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9913576 | ||||||
| 871 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 11:11 | 2026-06-26 14:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9917497 | ||||||
| 872 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 09:15 | 2026-06-26 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9913779 | ||||||
| 873 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 12:03 | 2026-06-26 16:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9918859 | ||||||
| 874 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 12:10 | 2026-06-26 15:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9919078 | ||||||
| 875 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 12:51 | 2026-06-29 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9919849 | ||||||
| 876 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 13:11 | 2026-06-26 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9920737 | ||||||
| 877 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 07:05 | 2026-06-25 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/25/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9933693 | ||||||
| 878 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 22:16 | 2026-06-29 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9928068 | ||||||
| 879 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 14:46 | 2026-06-29 08:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9923508 | ||||||
| 880 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 21:57 | 2026-06-29 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9927984 | ||||||
| 881 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 09:03 | 2026-06-29 09:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9936242 | ||||||
| 882 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-24 23:27 | 2026-06-29 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9928332 | ||||||
| 882 | D | B | D | A | A | A | B | B | Closed | FVAL4969 | 2026-06-25 03:30 | 2026-06-25 14:44 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 12 months | Waived-Subject property listed for sale on [Redacted] for $[Redacted] within 12 months from closing date [Redacted] per Appraisal Report in Page #173_[Redacted] Credit package 1.pdf, which is not allowed for guidelines. however, we have exception in page#6_[Redacted] Credit package 2.pdf - Due Diligence Vendor-06/25/2026 | Waived-Subject property listed for sale on [Redacted] for $[Redacted] within 12 months from closing date [Redacted] per Appraisal Report in Page #173_[Redacted] Credit package 1.pdf, which is not allowed for guidelines. however, we have exception in page#6_[Redacted] Credit package 2.pdf - Due Diligence Vendor-06/25/2026 |
1. No credit events past 40 months - No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No mortgage late payments in the last 24 months as per credit report page #122_[Redacted] Credit package 2.pdf 3. 5+ years credit history - Oldest tradeline date is 02/01/2005 is not within 5 years from closing date. 4. No consumer late payments in the last 24 months - No consumer late payments in the last 24 months as per credit report page #122_[Redacted] Credit package 2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9930842 | |||||
| 883 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 15:52 | 2026-06-29 10:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9924168 | ||||||
| 884 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-24 14:13 | 2026-06-29 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/24/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9922823 | ||||||
| 885 | D | B | D | B | A | A | B | B | Closed | FCOM4028 | 2026-06-25 09:09 | 2026-06-29 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9936376 | ||||||
| 885 | D | B | D | B | A | A | B | B | Closed | FCRE1200 | 2026-06-29 11:25 | 2026-06-29 11:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-As per guide, min LA required is [Redacted] Exception form is provided to proceed with LA<[Redacted] Exception form is on page #422 Approved With Conditions : [Redacted], 0.25 to price. Ok with LA <[Redacted] - Due Diligence Vendor-06/29/2026 |
Waived-As per guide, min LA required is [Redacted] Exception form is provided to proceed with LA<[Redacted] Exception form is on page #422 Approved With Conditions : [Redacted], 0.25 to price. Ok with LA <[Redacted] - Due Diligence Vendor-06/29/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9982925 | |||||
| 885 | D | B | D | B | A | A | B | B | Closed | FVAL5524 | 2026-06-25 10:26 | 2026-06-25 10:26 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-As per Guide Refinance on Manufactured house is not eligible Exception is provided to proceed with wants to refinance Mfr Approved With Conditions [Redacted], 0.25 to price. Ok with LA <[Redacted] Exception form page #422 of 507 - Due Diligence Vendor-06/25/2026 |
Waived-As per Guide Refinance on Manufactured house is not eligible Exception is provided to proceed with wants to refinance Mfr Approved With Conditions [Redacted], 0.25 to price. Ok with LA <[Redacted] Exception form page #422 of 507 - Due Diligence Vendor-06/25/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, Credit score >40 points than minimum required, Reserves >6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9939323 | |||||
| 886 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 22:09 | 2026-06-30 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9948382 | ||||||
| 887 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 10:29 | 2026-06-30 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9939398 | ||||||
| 888 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-25 09:12 | 2026-06-29 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9936416 | ||||||
| 888 | D | B | D | B | A | A | A | A | Closed | FCRE1197 | 2026-06-25 10:42 | 2026-06-29 13:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-*As per guide for ITIN minimum FICO Score is 700 *Exception form is provided to allow Credit Score dueto error *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 494 - Due Diligence Vendor-06/25/2026 |
Waived-*As per guide for ITIN minimum FICO Score is 700 *Exception form is provided to allow Credit Score dueto error *Approved Conditions [Redacted] max, 0.25 to price *Exception Form is on pg. no 494 - Due Diligence Vendor-06/25/2026 |
Revolving debt is under 30%, Borrower contribution exceeds requirement >=5%, Reserves >6 months | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9939592 | |||||
| 889 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-25 09:01 | 2026-06-29 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9936209 | ||||||
| 889 | D | B | D | B | A | A | A | A | Closed | FCRE5774 | 2026-06-25 10:37 | 2026-06-25 10:37 | Waived | 2 - Non-Material | B | B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Per Guide: No more than 60 days old before Submission Date Exception form provided for Credit report is older than 60 days at submission Exception form page#31 of 180 Approved With Conditions: [Redacted] MAX & 0.125 to price - Due Diligence Vendor-06/25/2026 |
Waived-Per Guide: No more than 60 days old before Submission Date Exception form provided for Credit report is older than 60 days at submission Exception form page#31 of 180 Approved With Conditions: [Redacted] MAX & 0.125 to price - Due Diligence Vendor-06/25/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 9939538 | |||||
| 890 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 12:28 | 2026-06-29 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9941656 | ||||||
| 891 | D | A | D | A | A | A | A | A | Closed | FCRE1199 | 2026-06-25 16:21 | 2026-07-01 10:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-the 2 pts financed is on top of the loan amount. base is at 2.5 per UW and TPR agrees. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached email from UW. Per UW "Max loan amount when [Redacted] is $[Redacted]. The loan amount is only above that due to the financed points. When we have financed points the value used for qualification and eligibility is [Redacted]%. Meaning the loan amount we qualify based on is as if the [Redacted] which is $[Redacted]. Because the loan amount only exceeds due to the financed points and we do qualify off that LTV and instead [Redacted], we are okay to proceed and this is why the loan is not invalid." - Buyer-06/30/2026 Open-Max loan Amount as per [Redacted] rate sheet for 700 fico & [Redacted] max loan amt allowed is [Redacted] however file Loan amount is $[Redacted] Note : File LTV is [Redacted] and as per Rate lock on page 22 of 475 points financed added, must be priced as [Redacted] - Due Diligence Vendor-06/25/2026 |
Resolved-the 2 pts financed is on top of the loan amount. base is at 2.5 per UW and TPR agrees. - Due Diligence Vendor-07/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9946444 | |||||
| 891 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 09:31 | 2026-06-29 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9938138 | ||||||
| 892 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-29 11:50 | 2026-06-30 08:05 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-TPR updated the ins premium and DSCR now aligns - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Please see the Insurance invoice with total premium [Redacted]mo, with this DSCR is 1.169. - Buyer-06/30/2026 Open-*DSCR score should be 1.177 Lender score is 1.169 -Document in file 1007 pg. no 26 rent $[Redacted] -DSCR score difference is due to lender has consider HOI premium of $[Redacted] and as per HOI policy on pg #174 premium is $[Redacted] -DSCR score should be Rent / PITIA [Redacted] = 1.177 - Due Diligence Vendor-06/29/2026 |
Resolved-TPR updated the ins premium and DSCR now aligns - Due Diligence Vendor-06/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9983730 | |||||
| 892 | D | A | D | A | A | A | A | A | Closed | FCRE9580 | 2026-06-25 11:04 | 2026-06-30 08:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Bankruptcy History does not meet guidelines | Resolved-proof BK discharged in 2017 now present - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Please see the bankruptcy discharge information. - Buyer-06/30/2026 Open-Need bankruptcy discharge document. Note :-Bankruptcy Chapter 11 document is on page no 421 of 596 - Due Diligence Vendor-06/25/2026 |
Resolved-proof BK discharged in 2017 now present - Due Diligence Vendor-06/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9939946 | |||||
| 892 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 09:02 | 2026-06-29 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9936229 | ||||||
| 893 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-06-25 13:59 | 2026-07-02 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Coverage can still be legally bound on an [Redacted] form (such as the [Redacted]Binder Form) even if a binder number is missing, provided the form is signed by a licensed agent with binding authority. - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. - Buyer-07/02/2026 Counter-TPR requires this - Due Diligence Vendor-07/01/2026 Ready for Review-The policy number missing on Binder is not a concern, there is no requirement for policy# for EOI/Binder, because this is not a policy, we have customer name insured, property address, all these match. - Buyer-07/01/2026 Counter-TPR requires a binder number or policy for proof coverage is bound. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Good morning, Binder is a temporary document, # is not obligatory. - Buyer-06/30/2026 Open-Hazard Insurance policy number is missing on page #23 of 163 - Due Diligence Vendor-06/29/2026 Open-Hazard Insurance Policy Partially Provided Hazard Insurance policy number is missing in the file - Due Diligence Vendor-06/25/2026 |
Resolved-Coverage can still be legally bound on an [Redacted] form (such as the[Redacted] Binder Form) even if a binder number is missing, provided the form is signed by a licensed agent with binding authority. - Due Diligence Vendor-07/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9943337 | |||||
| 893 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 12:12 | 2026-06-29 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9941317 | ||||||
| 894 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 14:06 | 2026-06-29 15:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9943409 | ||||||
| 895 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 00:27 | 2026-06-30 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9949212 | ||||||
| 896 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 13:52 | 2026-06-29 16:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9943210 | ||||||
| 897 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-25 17:56 | 2026-06-30 11:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9947787 | ||||||
| 897 | D | B | D | B | A | A | A | A | Closed | FCRE1437 | 2026-06-25 18:51 | 2026-06-25 18:54 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Waived-As per guide, Asset Utilization comprised of large deposit from sale of a prior home *Exception form is provided to allow net proceeds from sale of a prior home to be included in Asset Utilization income calculation *Approved Conditions: [Redacted] Max *Exception form is on page #8 of 153 - Due Diligence Vendor-06/26/2026 |
Waived-Income and Employment Do Not Meet Guidelines Waived-As per guide, Asset Utilization comprised of large deposit from sale of a prior home *Exception form is provided to allow net proceeds from sale of a prior home to be included in Asset Utilization income calculation *Approved Conditions: [Redacted] Max *Exception form is on page #8 of 153 - Due Diligence Vendor-06/26/2026 |
Revolving debt is under 30%, No credit events past 40 months, and 5+ years credit history | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9948039 | |||||
| 898 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 04:06 | 2026-06-29 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9952042 | ||||||
| 899 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 14:15 | 2026-06-30 08:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9943568 | ||||||
| 900 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 10:02 | 2026-06-29 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9957746 | ||||||
| 901 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-06-26 07:39 | 2026-07-01 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/01/2026 Open-Missing Hazard Insurance Policy Hazard Insurance Policy document is missing in the file - Due Diligence Vendor-06/26/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9955049 | |||||
| 901 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 15:54 | 2026-06-30 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9945948 | ||||||
| 902 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 08:51 | 2026-07-01 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9979326 | ||||||
| 903 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 10:26 | 2026-07-01 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9981677 | ||||||
| 904 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 03:41 | 2026-06-29 11:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9950863 | ||||||
| 905 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-25 15:12 | 2026-06-30 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9944986 | ||||||
| 906 | D | A | D | A | A | A | A | A | Closed | FCRE1334 | 2026-06-29 12:41 | 2026-07-01 12:06 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-now present - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/01/2026 Open-Borrower 1 Executed 4506-T Missing full doc and missing - Due Diligence Vendor-06/29/2026 |
Resolved-now present - Due Diligence Vendor-07/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9984683 | |||||
| 906 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 12:23 | 2026-06-30 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9984360 | ||||||
| 907 | D | A | D | A | C | A | A | A | Closed | FCOM1110 | 2026-06-25 15:50 | 2026-07-06 10:31 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Pre-Payment Penalty Term not entered | Resolved-Validation Resolved - Due Diligence Vendor-07/06/2026 Resolved-no ppp per lender - Due Diligence Vendor-07/01/2026 Ready for Review-Confirmed, that there is no PPP - Buyer-07/01/2026 Open-Maximum Pre-Payment Penalty Amount is greater than 0 but Pre-Payment Penalty Term is 0 Pre-Payment Penalty doc in file opn page #263 however Prepayment Penalty Term (Months) not provided and also vertified rate lock on page #539 PPP is none, need confirmation. - Due Diligence Vendor-06/25/2026 |
Resolved-Validation Resolved - Due Diligence Vendor-07/06/2026 Resolved-no ppp per lender - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9945802 | ||||||
| 907 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-25 15:52 | 2026-06-30 14:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/25/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9945835 | ||||||
| 908 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 08:19 | 2026-06-30 15:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9955831 | ||||||
| 909 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-06-29 07:12 | 2026-07-01 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/01/2026 Resolved-flood cert present - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/01/2026 Open-Missing Flood Certificate Flood Certificate document is missing in file - Due Diligence Vendor-06/29/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-07/01/2026 Resolved-flood cert present - Due Diligence Vendor-07/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9977908 | |||||
| 909 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 05:05 | 2026-06-30 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9976592 | ||||||
| 910 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 08:04 | 2026-06-30 15:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9955564 | ||||||
| 911 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-28 22:11 | 2026-06-29 12:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/29/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9972408 | ||||||
| 912 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 01:18 | 2026-06-30 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9974789 | ||||||
| 913 | D | A | D | A | A | A | A | A | Closed | FCOM1232 | 2026-06-26 08:53 | 2026-06-30 11:11 | Resolved | 1 - Information | B | A | Credit | Eligibility | The Final 1003 is Missing | Resolved-now present - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Please see the 1003. - Buyer-06/30/2026 Open-The Final 1003 is Missing Final 1003 Document missing in File - Due Diligence Vendor-06/26/2026 |
Resolved-now present - Due Diligence Vendor-06/30/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9956342 | |||||
| 913 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 08:44 | 2026-06-26 15:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9956198 | ||||||
| 914 | D | A | D | A | D | A | A | A | Closed | FCOM1797 | 2026-06-26 15:43 | 2026-07-02 13:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-missing info now present - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. Please review uploaded SPL - Buyer-07/02/2026 Open-Service Provider List date [Redacted] in file is incomplete/blank -missing any Servicer names. - Due Diligence Vendor-06/26/2026 |
Resolved-missing info now present - Due Diligence Vendor-07/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9967127 | |||||
| 914 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-06-26 09:37 | 2026-07-01 07:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9956991 | ||||||
| 915 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 09:15 | 2026-06-30 16:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9956662 | ||||||
| 916 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 12:41 | 2026-06-30 16:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved- - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9961729 | ||||||
| 917 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 10:46 | 2026-06-30 16:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9959079 | ||||||
| 918 | D | A | D | A | A | A | A | A | Closed | FCRE1491 | 2026-06-26 15:00 | 2026-06-30 12:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-donor wire now present to title company - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Please see attached documentation for gift source. - Buyer-06/30/2026 Open-Asset Qualification Does Not Meet Guideline Requirements *Gift on CD $[Redacted] Source Document missing - Due Diligence Vendor-06/26/2026 |
Resolved-donor wire now present to title company - Due Diligence Vendor-06/30/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9965933 | |||||
| 918 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 13:47 | 2026-06-26 15:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/26/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9964318 | ||||||
| 919 | D | A | D | A | C | A | A | A | Closed | FCOM5814 | 2026-06-26 16:34 | 2026-07-02 13:42 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-signed copy now present - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/02/2026 Open-Final CD [Redacted] in file is unsigned. Provide a complete signed Final CD. - Due Diligence Vendor-06/26/2026 |
Resolved-signed copy now present - Due Diligence Vendor-07/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9968213 | |||||
| 919 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-26 11:20 | 2026-07-01 07:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9959624 | ||||||
| 920 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 13:27 | 2026-07-01 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9963284 | ||||||
| 921 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-26 12:27 | 2026-07-01 08:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9961212 | ||||||
| 921 | D | B | D | B | A | A | A | A | Closed | FCRE2828 | 2026-06-26 14:46 | 2026-07-01 08:04 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan Modification and Program Does Not Allow This | Waived-As per Guide credit events like Loan modification within 48 months is not allowed Exception is provided to proceed with Loan modification 11 months ago Approved With Conditions 0.25 to price, [Redacted] max Exception is on page #2, 105 of 143 - Due Diligence Vendor-06/26/2026 |
Waived-As per Guide credit events like Loan modification within 48 months is not allowed Exception is provided to proceed with Loan modification 11 months ago Approved With Conditions 0.25 to price, [Redacted] max Exception is on page #2, 105 of 143 - Due Diligence Vendor-06/26/2026 |
5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, 10 years or more in the same line of employment, 5+ years credit history, LTV 10% below maximum, Credit score >40 points than minimum required, | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9965671 | |||||
| 922 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-26 13:27 | 2026-07-01 09:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9963280 | ||||||
| 922 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-06-26 15:06 | 2026-06-26 15:06 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived--Non PRA is not allowed when the transaction is cash-out refinance -Exception from provided to proceed with loan as Both borrower is Non-PRA and the file is cash-out refinance -Approved Condition :- [Redacted] MAX & 0.25 to price -Exception form on page no 14 of 126 - Due Diligence Vendor-06/26/2026 |
Waived--Non PRA is not allowed when the transaction is cash-out refinance -Exception from provided to proceed with loan as Both borrower is Non-PRA and the file is cash-out refinance -Approved Condition :- [Redacted] MAX & 0.25 to price -Exception form on page no 14 of 126 - Due Diligence Vendor-06/26/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, No consumer late payments in the last 24 months, LTV 10% below maximum | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 9966007 | |||||
| 923 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-28 21:57 | 2026-07-01 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9972368 | ||||||
| 924 | D | B | D | B | A | A | A | A | Closed | FCRE1157 | 2026-06-29 03:53 | 2026-07-01 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. please see the attached - Buyer-07/01/2026 Open-Missing Hazard Insurance Policy Considered premium amount from Invoice in page #110_[Redacted] p 2.pdf - Due Diligence Vendor-06/29/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/01/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9975912 | |||||
| 924 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-28 22:17 | 2026-06-30 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-06/30/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9972421 | ||||||
| 924 | D | B | D | B | A | A | A | A | Closed | FCRE1248 | 2026-06-29 04:06 | 2026-06-29 07:43 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Waived-Purchase is not considered to be an Arm's Length Transaction Subject transaction is non-arm length per Appraisal report in page #144- [Redacted] p 1.pdf verified the same from purchase agreement in page #8- [Redacted] p 2.pdf & LOE in page #252_[Redacted] p 1.pdf, which is not allowed per Guidelines. However, Exception is in page #130- [Redacted] p 2.pdf. - Due Diligence Vendor-06/29/2026 | Waived-Purchase is not considered to be an Arm's Length Transaction Subject transaction is non-arm length per Appraisal report in page #144- [Redacted] p 1.pdf verified the same from purchase agreement in page #8- [Redacted] p 2.pdf & LOE in page #252_[Redacted] p 1.pdf, which is not allowed per Guidelines. However, Exception is in page #130- [Redacted] p 2.pdf. - Due Diligence Vendor-06/29/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File, 2. No mortgage late payments in the last 24 months- No mortgage late payments in past 24 months per CBR Page #59- [Redacted] p 2.pdf, 3. 5+ years credit history- Oldest tradeline date in CBR page #59- [Redacted] p 2.pdf is 10/01/2010, 4. Credit score >40 points than minimum required- Audited FICO Score is 715, Guideline Maximum FICO Score is 620 difference is 95, Which is Greater than 40. 5. Borrower contribution exceeds requirement >=5%- Borrower contribution is nearly 38.47% |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9975998 | |||||
| 925 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-26 14:56 | 2026-07-01 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/26/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9965885 | ||||||
| 926 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2026-06-29 09:59 | 2026-07-09 08:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. please see attached - Buyer-07/08/2026 Open-Missing Flood Insurance Policy Flood policy is missing in file - Due Diligence Vendor-06/29/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9981174 | |||||
| 926 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 08:21 | 2026-07-01 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9978899 | ||||||
| 927 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 04:23 | 2026-07-02 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9996369 | ||||||
| 928 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 14:32 | 2026-07-01 16:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9986991 | ||||||
| 929 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-30 06:37 | 2026-07-02 11:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9998822 | ||||||
| 929 | D | B | D | A | A | A | B | B | Closed | FPRO1251 | 2026-06-30 08:06 | 2026-06-30 11:11 | Waived | 2 - Non-Material | B | B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Site zoning was appraised as legal, C2 Commercial as per appraisal document in page # 186 of Credit Package 1.pdf which is not allowed per Guidelines 6.6.11, however exception document is in page # 67 of Credit Package 2.pdf - Due Diligence Vendor-06/30/2026 | Waived-Site zoning was appraised as legal, C2 Commercial as per appraisal document in page # 186 of Credit Package 1.pdf which is not allowed per Guidelines 6.6.11, however exception document is in page # 67 of Credit Package 2.pdf - Due Diligence Vendor-06/30/2026 |
Revolving debt is under 30% -Revolving debt of $197 is within 30% of Total debts $31,161 No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months-- No Mortgage late payments in CBR Page #52 of Credit Package 2.pdf 5+ years credit history-Oldest tradeline date in CBR page # 52 of Credit Package 2.pdf is 06/01/2009 No consumer late payments in the last 24 months-- No Consumer late payments in CBR Page #52 of Credit Package 2.pdf Credit score >40 points than minimum required-Audited FICO 779 and Guideline maximum FICO 700 with difference 79 which is greater than 40 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10000731 | |||||
| 930 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-29 08:17 | 2026-07-01 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9978858 | ||||||
| 930 | D | B | D | A | A | A | B | B | Closed | FPRO1149 | 2026-06-29 11:16 | 2026-06-29 11:16 | Waived | 2 - Non-Material | B | B | Property | Property | Property is Lease Hold | Waived-Property Rights are Lease Hold Property is on Leasehold Exception form is provided to processed with loan Property is a Leasehold Exception form is on 97 of 373 Approved with condition [Redacted] max, 0.25 to price, Loan maturity cannot exceed 30Y - Due Diligence Vendor-06/29/2026 |
Waived-Property Rights are Lease Hold Property is on Leasehold Exception form is provided to processed with loan Property is a Leasehold Exception form is on 97 of 373 Approved with condition [Redacted] max, 0.25 to price, Loan maturity cannot exceed 30Y - Due Diligence Vendor-06/29/2026 |
Revolving debt is under 30%, Residual income >=3000$, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9982706 | |||||
| 931 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-30 07:46 | 2026-07-02 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10000095 | ||||||
| 931 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-06-30 09:10 | 2026-06-30 09:10 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-Need to switch to non-warrantable condo Comments from Collateral UW he project became unavailable for Conventional Financing, unfortunately. All the required repairs considers critical repairs per Fannie and Freddie. Please see the snip attached. The loan needs to be switched to Non-QM and approved exception is required to proceed. Pg 82 - Due Diligence Vendor-06/30/2026 |
Waived-Need to switch to non-warrantable condo Comments from Collateral UW he project became unavailable for Conventional Financing, unfortunately. All the required repairs considers critical repairs per Fannie and Freddie. Please see the snip attached. The loan needs to be switched to Non-QM and approved exception is required to proceed. Pg 82 - Due Diligence Vendor-06/30/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5%, Reserves >6 months Credit Decision Status & Date of Decision Approved With Conditions 06/16/2026 60% LTV max, 0.25 to price, confirmation is required that there is no immediate safety threat to homeowners |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 10002171 | |||||
| 932 | D | A | D | A | A | A | A | A | Closed | FCRE1317 | 2026-06-29 09:12 | 2026-07-07 09:04 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-prior employment history now present - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Good morning, According to 1b borrower started his current job [Redacted]. In 1d are the timeframes of his previous job - [Redacted]- Buyer-07/07/2026 Counter-we are looking for a 2 yr employment history. this is still not present. please provided updated pg 1 of 1003 with prior work history - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/06/2026 Open-1 yr Full but no verification in file of two year work history in file. Work number history provided does not reflect previous employment. - Due Diligence Vendor-06/29/2026 |
Resolved-prior employment history now present - Due Diligence Vendor-07/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9979808 | |||||
| 932 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 08:35 | 2026-07-02 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9979082 | ||||||
| 933 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 09:50 | 2026-07-01 14:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9981075 | ||||||
| 934 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 08:31 | 2026-07-01 14:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9979005 | ||||||
| 935 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 10:40 | 2026-07-01 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9981984 | ||||||
| 936 | D | A | D | A | A | A | D | A | Closed | FVAL4940 | 2026-06-29 12:05 | 2026-07-02 08:22 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-now present. Litigation is a noise compliant, TPR is ok with this. no safety issues - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. please see attached - Buyer-07/02/2026 Open-Full review but no Questionnaire present - Due Diligence Vendor-06/29/2026 |
Resolved-now present. Litigation is a noise compliant, TPR is ok with this. no safety issues - Due Diligence Vendor-07/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9984004 | |||||
| 936 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-06-29 11:15 | 2026-07-01 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 9982682 | ||||||
| 937 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-30 04:15 | 2026-07-02 11:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9996312 | ||||||
| 937 | D | B | D | A | A | A | B | B | Closed | FVAL5524 | 2026-06-30 06:04 | 2026-06-30 09:02 | Waived | 2 - Non-Material | B | B | Property | Property | Ineligible Property | Waived-Subject property does not contain stove installed and tenants have to install them per Appraisal Report in page #9 & 536 and is not allowed per Guidelines 7.1.7. However, Exception is in page #574 - Due Diligence Vendor-06/30/2026 | Waived-Subject property does not contain stove installed and tenants have to install them per Appraisal Report in page #9 & 536 and is not allowed per Guidelines 7.1.7. However, Exception is in page #574 - Due Diligence Vendor-06/30/2026 |
1. Revolving debt is under 30%-Revolving payments $346 is within 30% of total payments $6,052.20 2. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 3. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#677 4.5+ years credit history, -oldest tradeline 09/01/1994 is more than 5 years credit report page##677 5.No consumer late payments in the last 24 months-No consumer late payments per Credit Report in page#677 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 9998315 | |||||
| 938 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 10:14 | 2026-07-01 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9981397 | ||||||
| 939 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-06-30 06:23 | 2026-07-02 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9998630 | ||||||
| 939 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-06-30 08:14 | 2026-06-30 10:22 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Maximum 10 acres per Guidelines whereas subject property per Appraisal Report Page #560_[Redacted] closing package 1.pdf. is [Redacted] acres which is more than the maximum requirement However, Exception in Page # 17_[Redacted] closing package 2.pdf - Due Diligence Vendor-06/30/2026 | Waived-Maximum 10 acres per Guidelines whereas subject property per Appraisal Report Page #560_[Redacted] closing package 1.pdf. is [Redacted] acres which is more than the maximum requirement However, Exception in Page # 17_[Redacted] closing package 2.pdf - Due Diligence Vendor-06/30/2026 |
No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File No mortgage late payments in the last 24 months - No Mortgage late payments in CBR Page #129_[Redacted] closing package 2.pdf No consumer late payments in the last 24 months - No Consumer late payments in CBR Page #129_[Redacted] closing package 2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 10000922 | |||||
| 940 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 08:56 | 2026-07-02 09:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9979408 | ||||||
| 941 | D | B | D | B | A | A | C | A | Closed | FVAL4036 | 2026-06-29 14:59 | 2026-07-02 09:07 | Resolved | 1 - Information | C | A | Property | Property | Flip or Rapid Resale of Property | Resolved-lender provided proof not a flip - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. Per fraud report p.37 of 54, SP was $[Redacted], not flip transaction. - Buyer-07/02/2026 Open-per pg 128 of pdf 2, seller took title in[Redacted]. Unknown what he paid. He took a mtg out for $[Redacted] per sch C of title. Need sale price to see if flip and if flip, second appr is missing - Due Diligence Vendor-06/29/2026 |
Resolved-lender provided proof not a flip - Due Diligence Vendor-07/02/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9987409 | |||||
| 941 | D | B | D | B | A | A | C | A | Closed | FCOM4028 | 2026-06-29 14:18 | 2026-07-01 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9986769 | ||||||
| 941 | D | B | D | B | A | A | C | A | Closed | FCRE0626 | 2026-06-29 15:00 | 2026-06-29 15:00 | Waived | 2 - Non-Material | B | B | Credit | Closing | Borrower Minimum Contribution Towards Purchase Not Met | Waived-10% contribution needed because of income type, borrower only has 5% 5% MBC - Gifts funds from Wife Pg. 69 - Due Diligence Vendor-06/29/2026 |
Waived-10% contribution needed because of income type, borrower only has 5% 5% MBC - Gifts funds from Wife Pg. 69 - Due Diligence Vendor-06/29/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, DTI >=10% lower than loan program, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 9987434 | |||||
| 942 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 943 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 12:03 | 2026-07-01 15:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9983936 | ||||||
| 944 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 13:41 | 2026-07-01 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9986254 | ||||||
| 945 | D | A | D | A | A | A | A | A | Closed | FCRE8729 | 2026-06-30 12:48 | 2026-07-09 08:47 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing Partial Payment History | Resolved-pay history now present - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. Please see below for the mortgage payments. The payment for [Redacted] for [Redacted] can be verified on transaction history statement of [Redacted] Please see the snip below for reference. - Buyer-07/08/2026 Open-missing April and May mtg payments. Pg 416 only goes thru March and loan closed in June. - Due Diligence Vendor-06/30/2026 |
Resolved-pay history now present - Due Diligence Vendor-07/09/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10007033 | |||||
| 945 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 11:36 | 2026-07-02 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10005418 | ||||||
| 946 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-06-29 13:05 | 2026-07-02 13:47 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-dscr updated - Due Diligence Vendor-07/02/2026 Ready for Review-Document Uploaded. please see attached - Buyer-07/02/2026 Open-*DSCR score should be 1.460 Lender score is 1.458 1007 page #81, 36 of 595 - 1007- Rent amount is 4650 DSCR score difference is due to lender incorrect monthly (P&I) amount $[Redacted]. As per Note Document Monthly Payment (P&I) is $[Redacted] supporting document page #217 of 595. PITIA is not matching DSCR score should be Rent / PITIA $[Redacted]= 1.460 - Due Diligence Vendor-06/29/2026 |
Resolved-dscr updated - Due Diligence Vendor-07/02/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9985376 | |||||
| 946 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 11:30 | 2026-07-01 15:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/01/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9983007 | ||||||
| 947 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 13:37 | 2026-07-02 07:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9986208 | ||||||
| 948 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 13:22 | 2026-07-02 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 10007807 | ||||||
| 949 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 14:36 | 2026-07-02 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 9987080 | ||||||
| 950 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 12:26 | 2026-07-02 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9984389 | ||||||
| 951 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 15:11 | 2026-07-02 08:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9987598 | ||||||
| 952 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 14:32 | 2026-07-02 07:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9986989 | ||||||
| 953 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 09:11 | 2026-07-02 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10002190 | ||||||
| 954 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 05:08 | 2026-07-02 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 9996885 | ||||||
| 955 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 07:48 | 2026-07-02 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10000174 | ||||||
| 956 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 07:29 | 2026-07-02 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9999716 | ||||||
| 957 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-29 15:54 | 2026-07-02 08:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/29/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 9988354 | ||||||
| 958 | D | A | D | A | C | A | A | A | Closed | 27830-33820 | 2026-06-30 11:50 | 2026-07-06 12:35 | Resolved | 1 - Information | C | A | Compliance | Broker:LimitFees | [Redacted] - Max Broker Fees (RLBSA) | Resolved-resolved with lender comments. The fees charged are considered reasonable - Due Diligence Vendor-07/06/2026 Ready for Review-[Redacted] regulation does not limit the compensation to 2 %; it requires the comp to be reasonable. 3% is widely industry acceptable. - Buyer-07/06/2026 Open-The total of all fees paid by the borrower to the broker ($[Redacted]) exceeds 2% of the loan amount ([Redacted]). The [Redacted] Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to 2% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. ([Redacted] Code Ann. 47-14-113(c); [Redacted] ADC 0180-17-.07(2)) . - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 |
Resolved-resolved with lender comments. The fees charged are considered reasonable - Due Diligence Vendor-07/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10005913 | ||||||
| 958 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-30 10:05 | 2026-07-02 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10003463 | ||||||
| 959 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 11:35 | 2026-07-02 15:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10005403 | ||||||
| 960 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 10:13 | 2026-07-02 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10003738 | ||||||
| 961 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 08:24 | 2026-07-02 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10001114 | ||||||
| 962 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 11:44 | 2026-07-02 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10005803 | ||||||
| 963 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 12:05 | 2026-07-06 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10006225 | ||||||
| 964 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 14:55 | 2026-07-06 14:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10030322 | ||||||
| 965 | D | A | D | A | A | A | D | A | Closed | FVAL1310 | 2026-07-01 13:40 | 2026-07-07 10:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-lender provided docs from assoc. that shows there are no dues. - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/07/2026 Open-need HOA fee. Deed of trust shows its a PUD but not PUD fee in file need amount and add to DTI - Due Diligence Vendor-07/01/2026 |
Resolved-lender provided docs from assoc. that shows there are no dues. - Due Diligence Vendor-07/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10029090 | |||||
| 965 | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2026-07-01 12:30 | 2026-07-06 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10027651 | ||||||
| 966 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 22:23 | 2026-07-06 11:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10013885 | ||||||
| 967 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-07-06 14:16 | 2026-07-07 11:05 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-lender updated FICO on lock - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-07/07/2026 Open-Qualifying FICO 742 is not matching with the 1008 FICO 773. - Due Diligence Vendor-07/06/2026 |
Resolved-lender updated FICO on lock - Due Diligence Vendor-07/07/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 10078531 | |||||
| 967 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 08:44 | 2026-07-06 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 10001484 | ||||||
| 968 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 05:32 | 2026-07-06 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10018072 | ||||||
| 969 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-30 22:26 | 2026-07-07 05:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10013894 | ||||||
| 969 | D | B | D | B | A | A | A | A | Closed | FCRE0626 | 2026-07-01 01:31 | 2026-07-01 05:58 | Waived | 2 - Non-Material | B | B | Credit | Closing | Borrower Minimum Contribution Towards Purchase Not Met | Waived-Exception given in page #27_Credit package 2.pdf to allow file without minimum borrower contribution. However, file has borrower contribution of 26.70% which is > 10% - met the guideline requirement - Due Diligence Vendor-07/01/2026 | Waived-Exception given in page #27_Credit package 2.pdf to allow file without minimum borrower contribution. However, file has borrower contribution of 26.70% which is > 10% - met the guideline requirement - Due Diligence Vendor-07/01/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments per Credit Report in page#116_Credit Package 1.pdf 3. Credit score >40 points than minimum required -Audited FICO 789 and Guideline FICO 660 with difference 129 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 10015653 | |||||
| 970 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 02:58 | 2026-07-06 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10016033 | ||||||
| 971 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-07-01 08:11 | 2026-07-06 12:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10021271 | ||||||
| 971 | D | B | D | A | A | A | B | B | Closed | FPRO1251 | 2026-07-01 09:29 | 2026-07-01 11:15 | Waived | 2 - Non-Material | B | B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Subject property is in Rural zoned LIA-20 K, SR recreational visitor - serving commercial district per Appraisal Report in Page #196_Credit package 1.pdf which is not allowed per Guidelines 7.1.3. However, exception is in page #47_Credit package 2.pdf - Due Diligence Vendor-07/01/2026 |
Waived-Subject property is in Rural zoned LIA-20 K, SR recreational visitor - serving commercial district per Appraisal Report in Page #196_Credit package 1.pdf which is not allowed per Guidelines 7.1.3. However, exception is in page #47_Credit package 2.pdf - Due Diligence Vendor-07/01/2026 |
1. No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 2. No mortgage late payments in the last 24 months - No Mortgage late payments in last 24 months per Credit Report in page#126_Credit package 1.pdf. last late payment is on 02/20 3.5+ years credit history,-oldest tradeline 06/01/1994 is more than 5 years credit report page#126_Credit package 1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10023954 | |||||
| 972 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-06-30 10:16 | 2026-07-06 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10003780 | ||||||
| 972 | D | B | D | B | A | A | A | A | Closed | FCRE1174 | 2026-06-30 11:34 | 2026-06-30 11:34 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Exception for master policy not including Ordinance or Law Approved with conditions of [Redacted] max & 0.25 to price Waiver on page 57 of 150 - Due Diligence Vendor-06/30/2026 |
Waived-Exception for master policy not including Ordinance or Law Approved with conditions of [Redacted] max & 0.25 to price Waiver on page 57 of 150 - Due Diligence Vendor-06/30/2026 |
5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required, Reserves >6 months | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 10005383 | |||||
| 973 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 10:19 | 2026-07-02 16:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 10003818 | ||||||
| 974 | D | A | D | A | C | A | A | A | Closed | FCOM2340 | 2026-06-30 15:07 | 2026-07-09 13:39 | Cured | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Cured-This is acceptable. - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. PCCD uploaded - Seller-07/09/2026 Open-CD: General Form Requirements Not Met Final CD 06/18/2026, Page 5 Contact Information, Lenders Contact NMLS ID is missing. - Due Diligence Vendor-06/30/2026 |
Ready for Review-Document Uploaded. PCCD uploaded - Seller-07/09/2026 |
Cured-This is acceptable. - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10009606 | ||||
| 974 | D | A | D | A | C | A | A | A | Closed | 50001252-Fees-Limited | 2026-06-30 15:26 | 2026-07-09 13:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-This is acceptable. - Due Diligence Vendor-07/09/2026 Resolved-Resolved - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. LE uploaded - Buyer-07/09/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Point Fee increased from $[Redacted] on LE [Redacted] to $[Redacted] on CD [Redacted]. We have a Change of Circumstance in file dated [Redacted] explaining that exact change but no LE or CD within three days in file. - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-07/09/2026 Resolved-Resolved - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10009824 | |||||
| 974 | D | A | D | A | C | A | A | A | Closed | 50001251-Fees-Limited | 2026-06-30 15:26 | 2026-07-09 13:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-This is acceptable. - Due Diligence Vendor-07/09/2026 Resolved-Resolved - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. LE uploaded - Buyer-07/09/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Loan Discount Point Fee increased from $[Redacted] on LE [Redacted] to $[Redacted] on CD [Redacted]. We have a Change of Circumstance in file dated [Redacted] explaining that exact change but no LE or CD within three days in file. - Due Diligence Vendor-06/30/2026 Open- - Due Diligence Vendor-06/30/2026 |
Resolved-This is acceptable. - Due Diligence Vendor-07/09/2026 Resolved-Resolved - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10009823 | |||||
| 974 | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2026-06-30 12:15 | 2026-07-02 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10006448 | ||||||
| 975 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-06-30 13:05 | 2026-07-06 15:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. - Buyer-07/06/2026 Open-Missing Third Party Fraud Report Fraud report document is missing - Due Diligence Vendor-06/30/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/06/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10007430 | |||||
| 975 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 11:13 | 2026-07-02 07:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10004991 | ||||||
| 976 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 12:06 | 2026-07-02 16:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10006241 | ||||||
| 977 | D | B | D | B | A | A | A | A | Closed | FCRE5658 | 2026-07-01 09:36 | 2026-07-09 13:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-lender waived income from occupant borrower is not greater than nonoccupant income Non-occupant borrower as the primary income earners. Comments Primary borrower income $[Redacted]. Non-Occupant co-borrower income $[Redacted] - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/09/2026 Open- - Non-occupant borrowers cannot be the primary income earners. Primary borrower income $[Redacted] Non-Occupant borrower income $[Redacted]- Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/09/2026 |
Waived-lender waived income from occupant borrower is not greater than nonoccupant income Non-occupant borrower as the primary income earners. Comments Primary borrower income $[Redacted]. Non-Occupant co-borrower income $[Redacted] - Due Diligence Vendor-07/09/2026 |
Compensating Factors Residual income >=3000$, No consumer late payments in the last 24 months, Credit score >40 points than minimum required |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 10024339 | |||
| 977 | D | B | D | B | A | A | A | A | Closed | FCRE9991 | 2026-07-01 09:34 | 2026-07-08 13:06 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DTI is now updated - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2026 Counter-pls provide updated lock to reflect DTI of 31.88 - Due Diligence Vendor-07/07/2026 Ready for Review-Confirmed, that DTI should match audited DTI. Incorrect amount was provided due to internal report glitch - Seller-07/06/2026 Open- - Data Tape DTI 14.84%, Audited DTI is 31.88% which matches the 1008 and approval. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2026 Ready for Review-Confirmed, that DTI should match audited DTI. Incorrect amount was provided due to internal report glitch - Seller-07/06/2026 |
Resolved-DTI is now updated - Due Diligence Vendor-07/08/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10024309 | ||||
| 977 | D | B | D | B | A | A | A | A | Closed | FCRE9651 | 2026-07-01 08:35 | 2026-07-07 09:09 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Amortization Schedule missing from Closing Package. | Resolved-now present - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Please see attached - Seller-07/06/2026 Open-Amortization Schedule is 'Missing'from the Closing Package. - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-07/06/2026 |
Resolved-now present - Due Diligence Vendor-07/07/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10022441 | ||||
| 977 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-07-01 08:22 | 2026-07-02 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Loan closed in less than 60 days - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10022022 | ||||||
| 978 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 14:14 | 2026-07-06 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10008867 | ||||||
| 979 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 13:27 | 2026-07-06 09:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Resolved-[Redacted] - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Resolved-[Redacted] - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10007962 | ||||||
| 980 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-06-30 14:20 | 2026-07-06 10:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/30/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10008993 | ||||||
| 981 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 05:01 | 2026-07-06 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10017644 | ||||||
| 982 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 02:15 | 2026-07-07 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10036386 | ||||||
| 983 | D | A | D | A | D | A | A | A | Closed | 9240-1003117 | 2026-07-01 13:34 | 2026-07-08 12:11 | Cured | 1 - Information | C | A | Compliance | Fees:Limited | [Redacted] - Maximum Fees Allowed | Cured-This is acceptable. - Due Diligence Vendor-07/08/2026 Resolved-Resolved - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. PCCD uploaded with lender credit, lox and tracking. - Buyer-07/07/2026 Counter-PCCD and refund required - Due Diligence Vendor-07/07/2026 Resolved-Resolved - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Open- - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. Mavent uploaded again - Seller-07/07/2026 Counter-texas fees are still over by $[Redacted] - Due Diligence Vendor-07/06/2026 Ready for Review-Compliance report uploaded showing passing. Loan number listed matches lender loan number listed on 1003's - Seller-07/06/2026 Open-Fees are over by $[Redacted] - Due Diligence Vendor-07/02/2026 Open- - Due Diligence Vendor-07/02/2026 Resolved-Resolved - Due Diligence Vendor-07/02/2026 Open-The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. ([Redacted]. Const. Art. 16 Sec. 50(a)(6)(E); 7 [Redacted] ADC Sec. 153.5) Fees exceed 2% and no lender credit given. - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 Open- - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Mavent uploaded again - Seller-07/07/2026 Ready for Review-Compliance report uploaded showing passing. Loan number listed matches lender loan number listed on 1003's - Seller-07/06/2026 |
Cured-This is acceptable. - Due Diligence Vendor-07/08/2026 Resolved-Resolved - Due Diligence Vendor-07/08/2026 Resolved-Resolved - Due Diligence Vendor-07/07/2026 Resolved-Resolved - Due Diligence Vendor-07/02/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10028945 | ||||
| 983 | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2026-07-01 12:15 | 2026-07-06 15:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-now present - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Uploaded - Seller-07/06/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-07/01/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-07/06/2026 |
Resolved-now present - Due Diligence Vendor-07/06/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10027332 | ||||
| 983 | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2026-07-01 11:59 | 2026-07-02 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10026971 | ||||||
| 984 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 10:54 | 2026-07-07 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10046134 | ||||||
| 985 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-07-01 10:00 | 2026-07-07 15:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10024717 | ||||||
| 985 | D | B | D | A | A | A | B | B | Closed | FVAL5474 | 2026-07-07 15:18 | 2026-07-07 15:18 | Waived | 2 - Non-Material | B | B | Property | Property | Condo project is ineligible | Waived-As per guide HOA should be in the control of unit owners Exception is provided for to allow HOA control not turned over to the unit owners Approved Conditions : [Redacted] max, 0.5 to price Exception Form page no 281 - Due Diligence Vendor-07/07/2026 |
Waived-As per guide HOA should be in the control of unit owners Exception is provided for to allow HOA control not turned over to the unit owners Approved Conditions : [Redacted] max, 0.5 to price Exception Form page no 281 - Due Diligence Vendor-07/07/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 10104844 | |||||
| 986 | D | B | D | A | A | A | B | B | Closed | FCRE1152 | 2026-07-02 14:38 | 2026-07-08 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-tax cert is now present - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. please see attached - Buyer-07/08/2026 Open-Missing Evidence of Property Tax missing. pg 144 is cut off - Due Diligence Vendor-07/02/2026 |
Resolved-tax cert is now present - Due Diligence Vendor-07/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10049416 | |||||
| 986 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-07-02 13:44 | 2026-07-07 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10048864 | ||||||
| 986 | D | B | D | A | A | A | B | B | Closed | FPRO9974 | 2026-07-02 14:52 | 2026-07-02 14:52 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Condo Eligibility Requirements not met | Waived-Control over HOA has not been turned over Comments Control over HOA has not been fully turned over to unit owners, as the last unit is currently in process. Please see all applicable condo documents attached. The loan follows Limited Review. Pg 642 - Due Diligence Vendor-07/02/2026 |
Waived-Control over HOA has not been turned over Comments Control over HOA has not been fully turned over to unit owners, as the last unit is currently in process. Please see all applicable condo documents attached. The loan follows Limited Review. Pg 642 - Due Diligence Vendor-07/02/2026 |
Revolving debt is under 30%, 5 years on current job, Residual income >=3000$, 10 years or more in the same line of employment, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required Credit Decision Status & Date of Decision Approved With Conditions 04/23/2026 50% LTV MAX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 10049518 | |||||
| 987 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 07:32 | 2026-07-07 11:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10040673 | ||||||
| 988 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 11:33 | 2026-07-07 08:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10026428 | ||||||
| 989 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 10:45 | 2026-07-07 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10025527 | ||||||
| 990 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 07:29 | 2026-07-06 15:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10019744 | ||||||
| 991 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 00:29 | 2026-07-07 14:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10035525 | ||||||
| 992 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 04:07 | 2026-07-07 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10037900 | ||||||
| 993 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-05 22:22 | 2026-07-07 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10055832 | ||||||
| 994 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-07-02 08:36 | 2026-07-07 16:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10043208 | ||||||
| 994 | D | B | D | B | A | A | A | A | Closed | FCRE1254 | 2026-07-02 10:12 | 2026-07-06 05:51 | Waived | 2 - Non-Material | B | B | Credit | Title | Property Title Issue | Waived-Property Title Issue Borrower signed with LLC whereas does not own majority ownership percentage (owns 40%) related documents in page #25_[Redacted] closing package 2.pdf and is not allowed in Title seasoning requirements per Guidelines. However, Exception is in page #28_[Redacted] closing package 2.pdf - Due Diligence Vendor-07/02/2026 | Waived-Property Title Issue Borrower signed with LLC whereas does not own majority ownership percentage (owns 40%) related documents in page #25_[Redacted] closing package 2.pdf and is not allowed in Title seasoning requirements per Guidelines. However, Exception is in page #28_[Redacted] closing package 2.pdf - Due Diligence Vendor-07/02/2026 |
No credit events past 40 months- No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File 5+ years credit history - Oldest tradeline date in CBR page #510_[Redacted] closing package 1.pdf is 10/01/1995 LTV 10% below maximum- Guideline LTV 55% and Qualifying LTV 37.44% variance is 17.56 % > 10% Reserves >6 months- Qualifying Total Reserves Number of Months is 13.27 > 6 months |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10045220 | |||||
| 995 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 09:18 | 2026-07-07 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10023359 | ||||||
| 996 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 22:16 | 2026-07-07 16:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10034371 | ||||||
| 997 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 13:26 | 2026-07-02 07:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 10028746 | ||||||
| 998 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-07-02 05:04 | 2026-07-07 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10038664 | ||||||
| 998 | D | B | D | B | A | A | A | A | Closed | FCRE8450 | 2026-07-02 06:32 | 2026-07-02 09:23 | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Rental Income not supported | Waived-Rate and term refinance and subject property is vacant per Appraisal Report in page #7_Credit package 1.pdf with audited [Redacted] which is > 70%. Rental amount used to calculate DSCR which is not allowed per Guidelines 6.6.13. However, Exception is in page #22_Credit package 2.pdf - Due Diligence Vendor-07/02/2026 |
Waived-Rate and term refinance and subject property is vacant per Appraisal Report in page #7_Credit package 1.pdf with audited [Redacted] which is > 70%. Rental amount used to calculate DSCR which is not allowed per Guidelines 6.6.13. However, Exception is in page #22_Credit package 2.pdf - Due Diligence Vendor-07/02/2026 |
1. 5+ years credit history, -oldest tradeline 06/14/2005 is more than 5 years credit report page#107_Credit package 1.pdf 2. No consumer late payments in the last 24 months - No consumer late payments per Credit Report in page#107_Credit package 1.pdf 3. Credit score >40 points than minimum required -Audited FICO 768 and Guideline FICO 660 with difference 108 which is greater than 40. |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 10039708 | |||||
| 999 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 09:41 | 2026-07-02 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/02/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10024416 | ||||||
| 1000 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 14:09 | 2026-07-07 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10029539 | ||||||
| 1001 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 16:06 | 2026-07-07 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10031351 | ||||||
| 1002 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 13:04 | 2026-07-07 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10028360 | ||||||
| 1003 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-07-02 07:31 | 2026-07-07 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10040647 | ||||||
| 1003 | D | B | D | A | A | A | B | B | Closed | FPRO9974 | 2026-07-02 08:15 | 2026-07-02 08:15 | Waived | 2 - Non-Material | B | B | Property | Property Issue | Condo Eligibility Requirements not met | Waived-Exception for association in process of clearing all permits, all repairs complete Approved as is Waiver on page 29 of 232 - Due Diligence Vendor-07/02/2026 |
Waived-Exception for association in process of clearing all permits, all repairs complete Approved as is Waiver on page 29 of 232 - Due Diligence Vendor-07/02/2026 |
No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 10042670 | |||||
| 1004 | D | A | D | A | A | A | A | A | Closed | FCRE8012 | 2026-07-02 15:51 | 2026-07-08 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Purchase Contract | Resolved-now present - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. please see attached - Buyer-07/07/2026 Open-only addendum in file pg. 61 - Due Diligence Vendor-07/02/2026 |
Resolved-now present - Due Diligence Vendor-07/08/2026 |
[Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10050238 | |||||
| 1004 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 15:30 | 2026-07-07 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10049936 | ||||||
| 1005 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 06:12 | 2026-07-07 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10039468 | ||||||
| 1006 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 07:04 | 2026-07-07 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10040165 | ||||||
| 1007 | D | A | D | A | A | A | A | A | Closed | FCRE9991 | 2026-07-02 09:48 | 2026-07-08 13:31 | Resolved | 1 - Information | A | A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR score is now updated - Due Diligence Vendor-07/08/2026 Ready for Review-Document Uploaded. please see attached - Buyer-07/08/2026 Open-*DSCR score should be 1.326 Lender score is 1.439 - 1007 pg. no 25 of 956 rent amount $[Redacted] -DSCR score difference is due to unable to identify how lender has considered rent amount $[Redacted] (supporting document is missing) instead of 1007 amount $[Redacted]. PITIA is matching - DSCR score should be Rent / PITIA $[Redacted]= 1.326 - Due Diligence Vendor-07/02/2026 |
Resolved-DSCR score is now updated - Due Diligence Vendor-07/08/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10044677 | |||||
| 1007 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 08:15 | 2026-07-07 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10042664 | ||||||
| 1008 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 00:19 | 2026-07-07 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10035365 | ||||||
| 1009 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 11:19 | 2026-07-07 16:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10046609 | ||||||
| 1010 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-01 14:25 | 2026-07-07 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/01/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10029902 | ||||||
| 1011 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 01:38 | 2026-07-08 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10057231 | ||||||
| 1012 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 04:42 | 2026-07-08 13:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10059708 | ||||||
| 1013 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 04:10 | 2026-07-09 05:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10059417 | ||||||
| 1014 | D | A | D | A | A | A | A | A | Closed | FCRE9488 | 2026-07-06 07:35 | 2026-07-09 14:34 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-resolved with lender comments and review. - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. We have borrower LOX confirming that borrower' does not have ownership in address reported on credit report. Also, credit report confirm that borrower's recent address is subject property address. Please see the below snip. - Buyer-07/09/2026 Open-both borrower Driver licenses issues after they took title to subject and they addresses do not match O/O subject address. need explanation - Due Diligence Vendor-07/06/2026 |
Resolved-resolved with lender comments and review. - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 10062062 | |||||
| 1014 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 05:58 | 2026-07-08 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 10060698 | ||||||
| 1015 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 04:37 | 2026-07-08 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10059621 | ||||||
| 1016 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-05 22:18 | 2026-07-08 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10055822 | ||||||
| 1017 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 09:10 | 2026-07-08 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10071451 | ||||||
| 1018 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-07-02 10:59 | 2026-07-08 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10046223 | ||||||
| 1018 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2026-07-02 12:26 | 2026-07-08 09:19 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception form is provided to proceed with loan LC payoff DSCR C/O, borrower is not the title holder - no seasoning Exception form is on 11 of 115 Approved with condition 0.25 to price, [Redacted] max - Due Diligence Vendor-07/02/2026 |
Waived-Exception form is provided to proceed with loan LC payoff DSCR C/O, borrower is not the title holder - no seasoning Exception form is on 11 of 115 Approved with condition 0.25 to price, [Redacted] max - Due Diligence Vendor-07/02/2026 |
5+ years credit history, No consumer late payments in the last 24 months, LTV 10% below maximum, Credit score >40 points than minimum required | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 10047555 | |||||
| 1019 | D | A | D | A | A | A | A | A | Closed | FCRE1212 | 2026-07-02 15:48 | 2026-07-07 09:10 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-now present - Due Diligence Vendor-07/07/2026 Ready for Review-Document Uploaded. - Buyer-07/06/2026 Open-Purchase contract has not been fully provided - missing full contract. Only addendums showing seller credit and purchasers name ore present. (pages 14 and 15). - Due Diligence Vendor-07/02/2026 |
Resolved-now present - Due Diligence Vendor-07/07/2026 |
[Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10050223 | |||||
| 1019 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 15:19 | 2026-07-06 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/06/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10049871 | ||||||
| 1020 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-02 14:55 | 2026-07-08 15:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/02/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10049576 | ||||||
| 1021 | D | A | D | A | B | A | A | A | Closed | FCRE9651 | 2026-07-06 15:10 | 2026-07-09 14:45 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Amortization Schedule missing from Closing Package. | Resolved-now present - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-07/09/2026 Open-Amortization Schedule is 'Missing'from the Closing Package. Amortization Schedule document is 'Missing - Due Diligence Vendor-07/06/2026 |
Resolved-now present - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10079203 | |||||
| 1021 | D | A | D | A | B | A | A | A | Closed | FCOM3075 | 2026-07-06 15:10 | 2026-07-09 14:45 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or the document is incomplete | Resolved-now present - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. Uploaded - Buyer-07/09/2026 Open-Patriot Act Disclosure is 'Partial (Not Signed)'. Missing US Patriot Act Disclosure or the document is incomplete. Patriot Act Disclosure is Not Signed refer page#255,257 - Due Diligence Vendor-07/06/2026 |
Resolved-now present - Due Diligence Vendor-07/09/2026 |
[Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10079202 | |||||
| 1021 | D | A | D | A | B | A | A | A | Closed | FCOM4028 | 2026-07-06 14:46 | 2026-07-07 07:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10078935 | ||||||
| 1022 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 09:17 | 2026-07-09 11:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10071619 | ||||||
| 1023 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-07-06 07:46 | 2026-07-09 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10062351 | ||||||
| 1023 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2026-07-06 08:34 | 2026-07-06 08:34 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Waived-As per guide, For P&L, the borrower must contribute at least 20% from their own funds with maximum [Redacted]. *Exception form is provided to allow Borr has 12 % own funds getting gift Family Members *Approved Conditions: 0.25 to price *Exception form is on page #757 of 932 - Due Diligence Vendor-7/6/2026 - Due Diligence Vendor-07/06/2026 |
Waived-Waived-As per guide, For P&L, the borrower must contribute at least 20% from their own funds with maximum [Redacted]. *Exception form is provided to allow Borr has 12 % own funds getting gift Family Members *Approved Conditions: 0.25 to price *Exception form is on page #757 of 932 - Due Diligence Vendor-7/6/2026 - Due Diligence Vendor-07/06/2026 |
Revolving debt is under 30%, No credit events past 40 months, 5+ years credit history, No consumer late payments in the last 24 months, 2+ borrowers on the loan, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 10063271 | |||||
| 1024 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 02:56 | 2026-07-09 10:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10087148 | ||||||
| 1025 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 07:46 | 2026-07-07 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10094505 | ||||||
| 1026 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 13:43 | 2026-07-07 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10103246 | ||||||
| 1027 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 12:40 | 2026-07-09 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10076852 | ||||||
| 1028 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 12:19 | 2026-07-09 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10076483 | ||||||
| 1029 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 09:38 | 2026-07-09 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10097667 | ||||||
| 1030 | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2026-07-06 12:08 | 2026-07-09 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10076294 | ||||||
| 1030 | D | B | D | B | A | A | A | A | Closed | FCRE6969 | 2026-07-06 14:30 | 2026-07-07 03:39 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Gift Funds do not meet Guideline Requirements | Waived-*As per guide gift minimum contribution is 10% *Exception is provided to proceed the loan with contribution less than 10% *Exception is on pg 12 of 100 *Approved AS-IS - Due Diligence Vendor-07/06/2026 |
Waived-*As per guide gift minimum contribution is 10% *Exception is provided to proceed the loan with contribution less than 10% *Exception is on pg 12 of 100 *Approved AS-IS - Due Diligence Vendor-07/06/2026 |
*No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 10078759 | |||||
| 1031 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 13:31 | 2026-07-09 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10077833 | ||||||
| 1032 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 12:58 | 2026-07-09 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10077247 | ||||||
| 1033 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 15:39 | 2026-07-07 07:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10079474 | ||||||
| 1034 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 07:48 | 2026-07-09 15:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10094607 | ||||||
| 1035 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-06 15:30 | 2026-07-09 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/06/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10079414 | ||||||
| 1036 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 22:21 | 2026-07-09 10:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10108056 | ||||||
| 1037 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 08:12 | 2026-07-07 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/07/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10095042 | ||||||
| 1038 | D | B | D | A | A | A | B | B | Closed | FCOM4028 | 2026-07-07 08:22 | 2026-07-10 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/10/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | N/A | N/A | 10095304 | ||||||
| 1038 | D | B | D | A | A | A | B | B | Closed | FVAL5472 | 2026-07-07 10:00 | 2026-07-07 10:00 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-As per guide Property unit size must be at least [Redacted] sq ft, Exception is provided to proceed with [Redacted]-unit size sqft Approved With Conditions [Redacted] max, 0.25 to price Exception form page #47, 48 of 211 - Due Diligence Vendor-07/07/2026 |
Waived-As per guide Property unit size must be at least [Redacted] sq ft, Exception is provided to proceed with [Redacted]-unit size sqft Approved With Conditions [Redacted] max, 0.25 to price Exception form page #47, 48 of 211 - Due Diligence Vendor-07/07/2026 |
Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, Credit score >40 points than minimum required, Borrower contribution exceeds requirement >=5% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 10098086 | |||||
| 1039 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 08:05 | 2026-07-10 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/10/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Purchase | NA | N/A | N/A | 10094927 | ||||||
| 1040 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 11:47 | 2026-07-10 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/10/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/10/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10100892 | ||||||
| 1041 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-07 14:06 | 2026-07-08 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/07/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/08/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 10103584 | ||||||
| 1042 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-08 10:11 | 2026-07-09 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10123890 | ||||||
| 1043 | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2026-07-08 07:16 | 2026-07-09 12:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/08/2026 |
Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-07/09/2026 |
ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Purchase | NA | N/A | N/A | 10119410 |