Exhibit 99.2
Schedule 8 - Standard Findings Report
| ALT ID | Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 3419842 | XXXXXXX | XXXXXX | Closed | 2026-02-20 19:08 | 2026-03-06 09:31 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Corrected, revised, signed NORTC forms received. - Due Diligence Vendor-03/06/2026 Counter-Rescission must be reopened. - Due Diligence Vendor-03/06/2026 Ready for Review- - Seller-03/02/2026 Ready for Review- - Buyer-02/26/2026 Counter-NORTC provided to the borrower at closing was incorrect. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-02/25/2026 Ready for Review-PCCD - Seller-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Disbursement was XX/XX/XXXX. XXXXXXXXXX XXX was XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Ready for Review- - Seller-03/02/2026 Ready for Review-PCCD - Seller-02/23/2026 |
Resolved-Corrected, revised, signed NORTC forms received. - Due Diligence Vendor-03/06/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_PCCD.pdf XXXXXXX_XXXXXXX-XXXXXXX_RTC.pdf XXXXXXX_XXXXXXX-XXXXXXX_X RTC XXXXXXX XXXXXXX.pdf XXXXXXX_XXXXXXX-XXXXXXX_Pages from 0 RTC - signed.pdf (SECURED).pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 7733728 | N/A | N/A | ||||
| 3419842 | XXXXXXX | XXXXXX | Closed | 2026-02-20 19:08 | 2026-03-06 09:30 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Corrected, revised, signed NORTC forms received. - Due Diligence Vendor-03/06/2026 Counter-Rescission must be reopened. - Due Diligence Vendor-03/06/2026 Ready for Review- - Buyer-03/02/2026 Ready for Review- - Buyer-02/26/2026 Counter-NORTC provided to the borrower at closing was incorrect. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-02/25/2026 Ready for Review-PCCD - Buyer-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Disbursement was XX/XX/XXXX. XXXXXXXXXX XXX was XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Resolved-Corrected, revised, signed NORTC forms received. - Due Diligence Vendor-03/06/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_PCCD.pdf XXXXXXX_XXXXXXX-XXXXXXX_RTC.pdf XXXXXXX_XXXXXXX-XXXXXXX_X RTC XXXXXXX XXXXXXX.pdf XXXXXXX_XXXXXXX-XXXXXXX_Pages from 0 RTC - signed.pdf (SECURED).pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 7733729 | N/A | N/A | |||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-12 10:45 | 2025-10-30 11:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. PFA both borrowers VVOE - Seller-05/29/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Required VVOE for Both borrowers. so required employment verification - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. PFA both borrowers VVOE - Seller-05/29/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/04/2025 |
XXXXXXX vvoe.pdf XXXXXXX XXXXXXX vvoe.pdf |
MI | Primary Residence | Refinance | Cash Out - Other | 4114541 | N/A | N/A | ||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-20 10:50 | 2025-10-30 11:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/30/2025 Resolved-borrower was qualified solely on W2'd income. - Due Diligence Vendor-08/27/2025 Counter-XXX XXXX was founded by B2. - Due Diligence Vendor-08/01/2025 Ready for Review-Document Uploaded. Please find the attached email from borrower confirming he is W2 employee of "XXXX XXXXXXXX XXXX". Borrower has incorrectly checked on 1003 that he is self employed. On initial application he has never mentioned that he is self employed. - Seller-07/30/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-06/04/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements B2 marked the final 1003 employment section as having 25% or more ownership interest in company. Guidelines require personal and business tax returns, an unaudited P&L and balance sheet. - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. Please find the attached email from borrower confirming he is W2 employee of "XXXX XXXXXXXX XXXX". Borrower has incorrectly checked on 1003 that he is self employed. On initial application he has never mentioned that he is self employed. - Seller-07/30/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/30/2025 Resolved-borrower was qualified solely on W2'd income. - Due Diligence Vendor-08/27/2025 |
XXXXXX Finance Mail - XXXXXX Finance Loan Follow Up.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 4192588 | N/A | N/A | ||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-20 11:06 | 2025-10-30 11:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/30/2025 Resolved-Satisfactory payment history on REO was provided. The payment due XX/XX/XXXXX was made on XX/XX/XXXXX which is within grace period and not over 30 days overdue. Condition cleared. - Due Diligence Vendor-05/27/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements . - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/23/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Guideline require a satisfactory 12-month mortgage history for mortgages on all properties. Mortgage history not provided for REO property. - Due Diligence Vendor-05/20/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/30/2025 Resolved-Satisfactory payment history on REO was provided. The payment due XX/XX/XXXX was made on XX/XX/XXXX which is within grace period and not over 30 days overdue. Condition cleared. - Due Diligence Vendor-05/27/2025 |
Mortgage payment hidtory for REO XXXX XXXX XXXXXXX XX.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 4192792 | N/A | N/A | |||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-20 10:50 | 2025-08-27 13:17 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Resolved-Not needed. borrower was qualified solely on W2'd income. - Due Diligence Vendor-08/27/2025 Counter-Website indicates: "XXX XXXX XXXXXXXX XXXX firm was founded by attorney XXXX XXXXXXXX X X XXXXXXX" - Due Diligence Vendor-08/01/2025 Ready for Review-Document Uploaded. Please find the attached email from borrower confirming he is W2 employee of "XXXX XXXXXXXXX XXXX Borrower has incorrectly checked on 1003 that he is self employed. On initial application he has never mentioned that he is self employed. - Seller-07/30/2025 Open-Borrower 2 Personal Tax Returns Missing - Due Diligence Vendor-06/04/2025 Open-Borrower 2 Personal Tax Returns Missing B2 marked the final 1003 employment section as having 25% or more ownership interest in company. Guidelines require personal and business tax returns, an unaudited P&L and balance sheet. - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. Please find the attached email from borrower confirming he is W2 employee of "XXXX XXXXXXXX XXXX". Borrower has incorrectly checked on 1003 that he is self employed. On initial application he has never mentioned that he is self employed. - Seller-07/30/2025 |
Resolved-Not needed. borrower was qualified solely on W2'd income. - Due Diligence Vendor-08/27/2025 |
XXXXXX Finance Mail - XXXXXX Finance Loan Follow Up.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 4192587 | N/A | N/A | ||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-12 10:45 | 2025-08-27 13:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. XXX VVOE for B1 dated XX/XX/XXXX - Buyer-05/29/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Required VVOE for employer: XXXXXX standard for B1, Provided VVOE in the file Pg #790 not with in 10 days of Note date. - Due Diligence Vendor-05/12/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2025 |
XXXXXXX vvoe.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 4114539 | N/A | N/A | |||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-12 10:45 | 2025-08-27 13:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. XXX B2 VVOE dated XX/XX/XXXX - Seller-05/29/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing Required VVOE for employer: XXXX XXXXXXXX XXXX for B2, Provided VVOE in the file Pg #791 not with in 10 days of Note date. - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. PFA B2 VVOE dated XX/XX/XXXX - Seller-05/29/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/04/2025 |
XXXXXXX XXXXXXX vvoe.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 4114540 | N/A | N/A | ||||
| 7255020 | XXXXXXX | XXXXXX | Closed | 2025-05-20 11:05 | 2025-05-27 08:17 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Satisfactory payment history on REO was provided. The payment due XX/XXXX was made on XX/XX/XXXX which is within grace period and not over 30 days overdue. Condition cleared. - Due Diligence Vendor-05/27/2025 Ready for Review-Mortgage statement dated XX/XX/XXXX is showing past due amount $XXXX.XX is the payment due on XX/XX/XXXX and Mortgage statement dated XX/XX/XXXX showing loan is next due for XX/XX/XXXX with no past due amount. Transaction activity of statement dated XX/XX/XXXX is showing two payments between XX/XX/XXXX to XX/XX/XXXX. Payment for mortgage payment due on XX/XX/XXXX was made on XX/XX/XXXX and payment for mortgage payment due on XX/XX/XXXX was made on XX/XX/XXXX. There is no 30 day late payment. - Seller-05/27/2025 Counter-REO payment history: Mortgage statements/pay history provided which covers loan payments since inception. Loan due for XX/XX/XXXXpmt. Loan originated in XX/XX/XXXX. Payment history reflects a 1x30 in XX/XX/XXXX. Loan is due for XX/XX/XXXX payment on XX/XX/XXXX statement. Mortgage statement dated XX/XX/XXXX reflects past due amount. Guidelines section 4-2-4-10 require a 0X30 for 6 months. Condition maintained. - Due Diligence Vendor-05/23/2025 Open-Housing History Does Not Meet Guideline Requirements . - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/23/2025 Open-Housing History Does Not Meet Guideline Requirements Guideline require a satisfactory 12-month mortgage history for mortgages on all properties. Mortgage history not provided for REO property. - Due Diligence Vendor-05/20/2025 |
Ready for Review-Mortgage statement dated XX/XX/XXXX is showing past due amount $XXXX.XX is the payment due on XX/XX/XXXX and Mortgage statement dated XX/XX/XXXX showing loan is next due for XX/XX/XXXX with no past due amount. Transaction activity of statement dated XX/XX/XXX is showing two payments between XX/XX/XXXXX to XX/XX/XXXX. Payment for mortgage payment due on XX/XX/XXXX was made on XX/XX/XXXX and payment for mortgage payment due on XX/XX/XXXX was made on XX/XX/XXXX. There is no 30 day late payment. - Seller-05/27/2025 |
Resolved-Satisfactory payment history on REO was provided. The payment due XX/XXXX was made on XX/XX/XXXX which is within grace period and not over 30 days overdue. Condition cleared. - Due Diligence Vendor-05/27/2025 |
Mortgage payment hidtory for REO XXXX XXXX XXXXXXX XX.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 4192786 | N/A | N/A | ||||
| 8331544 | XXXXXXX | XXXXXX | Closed | 2025-09-08 16:11 | 2025-10-21 11:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/21/2025 Ready for Review-Document Uploaded. XXXXXXX has been considered as negative income instead of liability. Please find the attached revised 1003 & 1008. - Buyer-10/17/2025 Counter-Audited DTI of 59.07% exceeds Guideline DTI of 43%. XXXXXXX documentation provided indicates obligation is bi-weekly, not monthly. - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/06/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Required supporting documentation for XXXXXXX payment - Due Diligence Vendor-09/08/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/21/2025 |
XXXXXXX XXXXXXX Settlement Agreement.pdf 1003.pdf 1008.pdf |
NJ | Primary Residence | Refinance | Cash Out - Other | 5457400 | N/A | N/A | |||||
| 8331544 | XXXXXXX | XXXXXX | Closed | 2025-10-09 10:43 | 2025-10-21 11:36 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 38.92% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-10/21/2025 Ready for Review-Document Uploaded. XXXXXXX has been considered as negative income instead of liability. Please find the attached revised 1003 & 1008. - Seller-10/17/2025 Open-Audited DTI of 59.07% exceeds Guideline DTI of 43%. XXXXXXX documentation provided indicates obligation is bi-weekly, not monthly. - Due Diligence Vendor-10/09/2025 |
Ready for Review-Document Uploaded. XXXXXXX has been considered as negative income instead of liability. Please find the attached revised 1003 & 1008. - Seller-10/17/2025 |
Resolved-Audited DTI of 38.92% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-10/21/2025 |
1008.pdf 1003.pdf |
NJ | Primary Residence | Refinance | Cash Out - Other | 5838546 | N/A | N/A | ||||
| 8331544 | XXXXXXX | XXXXXX | Closed | 2025-09-08 16:13 | 2025-10-09 10:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing XXXXXXX/XXXXXX XXXXXXX Documentation | Resolved-MSA received. - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/06/2025 Open-Missing verification of the amount of XXXXXXX/XXXXX XXXXXXX. Missing XXXXXXX Documentation - Due Diligence Vendor-09/08/2025 |
Resolved-MSA received. - Due Diligence Vendor-10/09/2025 |
XXXXXXX XXXXXXX Settlement Agreement.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 5457446 | N/A | N/A | |||||
| 1568581 | XXXXXXX | XXXXXX | Closed | 2025-10-14 15:31 | 2026-05-12 06:58 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/24/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-10/14/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/29/2025 |
XXX statement.pdf | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5893328 | N/A | N/A | |||||
| 1568581 | XXXXXXX | XXXXXX | Closed | 2025-10-14 12:33 | 2025-10-29 10:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-Received - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/24/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-10/14/2025 |
Resolved-Received - Due Diligence Vendor-10/29/2025 |
XXX statement.pdf | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5890144 | N/A | N/A | |||||
| 2945483 | XXXXXXX | XXXXXX | Closed | 2025-12-19 15:01 | 2025-12-23 12:36 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-sufficient documentation received. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Counter-Only 2 of 3 addresses listed were addressed in the provided documentation. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/22/2025 Open-Provide LOE or property profile to confirm borrower does not have ownership in Below properties.(XXXX X XXXXXXXX XX XXXXXX, XX, XXXXX,X XXXXXXXXX XX XXXXXXXXX XXX XXXXXXXXX, XX, XXXXX, XXXXX X XXXXXXXX XX XXXXX XXXXXX, XX, XXXXX) - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/22/2025 |
Resolved-sufficient documentation received. - Due Diligence Vendor-12/23/2025 |
XXXX X XXXXXXX XX.pdf please read.pdf please read.pdf please read email.pdf |
NJ | Primary Residence | Refinance | Cash Out - Other | 6714375 | N/A | N/A | ||||
| 2945483 | XXXXXXX | XXXXXX | Closed | 2025-12-18 11:25 | 2025-12-19 15:08 | Resolved | 1 - Information | Compliance | TRID | Initial Closing Disclosure timing requirement not met | Resolved-Received. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. - Seller-12/19/2025 Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. Compliance will be re-reviewed upon receipt of the initial CD. Additional conditions may apply. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. - Seller-12/19/2025 |
Resolved-Received. - Due Diligence Vendor-12/19/2025 |
int closing disc.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 6687136 | N/A | N/A | ||||
| 2945483 | XXXXXXX | XXXXXX | Closed | 2025-12-17 11:07 | 2025-12-19 15:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. INT AND FINAL CLOSING DISC - Seller-12/19/2025 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) Compliance will be re-reviewed upon receipt of the initial CD. Additional conditions may apply. - Due Diligence Vendor-12/17/2025 Open- - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/17/2025 |
Ready for Review-Document Uploaded. INT AND FINAL CLOSING DISC - Seller-12/19/2025 |
Resolved-Resolved - Due Diligence Vendor-12/19/2025 |
int closing disc.pdf FINAL CLOSING DISC.pdf |
NJ | Primary Residence | Refinance | Cash Out - Other | 6664534 | N/A | N/A | ||||
| 2945483 | XXXXXXX | XXXXXX | Closed | 2025-12-15 12:07 | 2025-12-19 15:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. - Seller-12/18/2025 Open-The Deed of Trust is Missing Deed of Trust is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. - Seller-12/18/2025 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/19/2025 |
MORTGAGE (2).pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 6628159 | N/A | N/A | ||||
| 9593608 | XXXXXXX | XXXXXX | Closed | 2026-01-16 09:45 | 2026-05-12 07:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-05/12/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/21/2026 Counter-1008 and Final Lender Loan Information show other expenses of $XXX.XX for subject property; please provide supporting documentation to verify these payments. Additional conditions may apply. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements 1008 and Final Lender Loan Information show other expenses of $XXX.XX for subject property; however, no supporting document is provided to verify these payments. Additional conditions may apply. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-05/12/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-01/22/2026 |
XXXXXXX- URLA.pdf RE_ XXXXXXX XXXXXXX.pdf XXXXXXX - Tax Bill.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 7137984 | N/A | N/A | ||||
| 9593608 | XXXXXXX | XXXXXX | Closed | 2026-01-16 09:26 | 2026-01-22 10:33 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-01/22/2026 Counter-Income calculation received. 1) 1008 and Final Lender Loan Information show other expenses of $XXX.XX for subject property; however, no supporting document is provided to verify these payments. Additional conditions may apply. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-1) Final 1003 REO section 3a shows the property status as ‘sold,’ but no supporting document is provided to verify the sale. Additional conditions may apply. 2) 1008 and Final Lender Loan Information show other expenses of $XXX.XX for subject property; however, no supporting document is provided to verify these payments. Additional conditions may apply. 3) Please provide income calculation worksheet as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-Received. - Due Diligence Vendor-01/22/2026 |
XXXXXXX - Income.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 7137405 | N/A | N/A | ||||
| 2995188 | XXXXXXX | XXXXXX | Closed | 2025-12-19 14:38 | 2025-12-23 12:39 | Resolved | 1 - Information | Property | Appraisal | Valuation product is deficient | Resolved-Additional AVM received. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Counter-AVM provided does not match 1008. - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. - Seller-12/22/2025 Open-Please provide the AVM used to qualify the loan reflecting the value on the loan transmittal summary. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/22/2025 |
Resolved-Additional AVM received. - Due Diligence Vendor-12/23/2025 |
avm.pdf XXXXXXX - Updated AVM.pdf |
NJ | Primary Residence | Refinance | Cash Out - Other | 6713919 | N/A | N/A | ||||
| 8676348 | XXXXXXX | XXXXXX | Closed | 2025-12-21 07:04 | 2026-01-09 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. - Seller-01/09/2026 Counter-Form format cannot be submitted for transcripts, defeating the purpose of the document. - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/05/2026 Open-Borrower 2 Executed 4506-T Missing Executed 4506-T for Borrower 2 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-01/09/2026 Ready for Review-Document Uploaded. - Seller-01/05/2026 |
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/09/2026 |
XXXXXXX 4506.pdf XXXXXXX 4506 C.pdf |
NJ | Primary Residence | Refinance | Cash Out - Other | 6724319 | N/A | N/A | ||||
| 8676348 | XXXXXXX | XXXXXX | Closed | 2025-12-21 07:28 | 2025-12-23 12:35 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Open-Title Document is missing Tittle documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-12/23/2025 |
Resolved-Title Document is not Missing - Due Diligence Vendor-12/23/2025 |
o& e report.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 6724363 | N/A | N/A | ||||
| 1260438 | XXXXXXX | XXXXXX | Closed | 2025-12-19 16:12 | 2026-01-21 08:38 | Cured | 2 - Non-Material | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Cured-Sufficient documentation to demonstrate rescission received - Due Diligence Vendor-01/21/2026 Ready for Review-pending additional infomration - Due Diligence Vendor-01/19/2026 Ready for Review-Document Uploaded. - Seller-01/19/2026 Counter-Document is signed after expiration of rescission. Rescission must be reopened. Please provide a revised NORTC form for both borrowers, letter of explanation, and tracking information to confirm delivery to the borrower(s). Finding will be cleared at the conclusion of the revised rescission period. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 Counter-Rescission must be reopened. Please provide a revised NORTC form for both borrowers, letter of explanation, and tracking information to confirm delivery to the borrower(s). Finding will be cleared at the conclusion of the revised rescission period. - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non Borrower Title Holder did not receive Right of Recission Form. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-01/19/2026 Ready for Review-Document Uploaded. - Seller-01/14/2026 Ready for Review-Document Uploaded. - Seller-01/07/2026 |
Cured-Sufficient documentation to demonstrate rescission received - Due Diligence Vendor-01/21/2026 |
XXXXXXX-Notice of Right to Cancel- Signed.pdf XXXXXXX - Right to cancel doc - 01.12.26.pdf XXXXXXX - Right to cancel doc - 01.15.26.pdf email chain XXXXXXX.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 6715967 | N/A | N/A | ||||
| 1260438 | XXXXXXX | XXXXXX | Closed | 2025-12-23 14:06 | 2026-01-08 11:04 | Resolved | 1 - Information | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-Sufficient documentation provided. - Due Diligence Vendor-01/08/2026 Ready for Review-Document Uploaded. - Seller-01/05/2026 Counter-Please provide a revised, accurate 1003, as gaps are noted on the 1003 employment history. - Due Diligence Vendor-12/26/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Open-Please provide a signed employment gap letter for all employment gaps over 90 days in the last 24 months. - Due Diligence Vendor-12/23/2025 |
Ready for Review-Document Uploaded. - Seller-01/05/2026 Ready for Review-Document Uploaded. - Seller-12/24/2025 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-01/08/2026 |
XXXXXXX - 1008.pdf XXXXXXX - 1003.pdf XXXXXXX - 1003.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 6769293 | N/A | N/A | ||||
| 1260438 | XXXXXXX | XXXXXX | Closed | 2025-12-23 14:05 | 2025-12-26 12:06 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete 1008 or Underwriter Approval | Resolved-Received. - Due Diligence Vendor-12/26/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Open-The final 1008 is incomplete. Please provide a revised 1008 with correct loan amount and updated tax amount in the amount of $XXX.XX. - Due Diligence Vendor-12/23/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 |
Resolved-Received. - Due Diligence Vendor-12/26/2025 |
XXXXXXX - 1008.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 6769276 | N/A | N/A | ||||
| 1260438 | XXXXXXX | XXXXXX | Closed | 2025-12-19 13:51 | 2025-12-23 12:32 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. - Seller-12/23/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/23/2025 |
ECONSENT.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 6712324 | N/A | N/A | ||||
| 6751383 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:21 | 2026-01-20 10:58 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete 1008 or Underwriter Approval | Resolved-Corrected 1008 received. - Due Diligence Vendor-01/20/2026 Ready for Review-Document Uploaded. - Seller-01/19/2026 Open-The final 1008 is incomplete. Please provide revised 1008 with accurate appraised value - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/19/2026 |
Resolved-Corrected 1008 received. - Due Diligence Vendor-01/20/2026 |
XXXXXXX - 1008.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 7095984 | N/A | N/A | ||||
| 9511175 | XXXXXXX | XXXXXX | Closed | 2026-01-20 13:49 | 2026-01-29 09:25 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/29/2026 Open-Housing History Does Not Meet Guideline Requirements. Please provide proof of timely XX/XX/XXXX mortgage payments for both properties. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. - Seller-01/29/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026 |
XXXXXXX Mtg supp.pdf | OH | Primary Residence | Refinance | Cash Out - Other | 7186251 | N/A | N/A | ||||
| 9511175 | XXXXXXX | XXXXXX | Closed | 2026-01-20 13:49 | 2026-01-29 09:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/29/2026 Counter-Once the mortgage history finding is cleared, this will be cleared. - Due Diligence Vendor-01/28/2026 Ready for Review-Can you please be more specific? - Seller-01/27/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. - Seller-01/29/2026 Ready for Review-Can you please be more specific? - Seller-01/27/2026 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/29/2026 |
XXXXXXX Mtg supp.pdf | OH | Primary Residence | Refinance | Cash Out - Other | 7186252 | N/A | N/A | ||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 12:52 | 2026-05-14 06:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception/Waiver received from investor - Due Diligence Vendor-02/09/2026 Counter-Document Uploaded. Exception for CLTC is attached. - Seller-02/09/2026 Counter-Document Uploaded. As discussed over email BPO or AVM will work. XXX AVM - Buyer-01/29/2026 Counter-The revised AVM is ineligible, as the initial AVM--pulled first--is an eligible product. Valuation hunting is not allowed. - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Counter-Initial loan file provided contains a valid AVM dated XX/XX/XXXX with value $XXX,XXX.XX and FSD of .08. Lowest and first valuation utilized for CLTV calculation. - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. See attached AVM and 1008 shows 69 LTV. Please advise where audit is coming up with 80? - Seller-01/27/2026 Open-Audited CLTV of 81.14% exceeds Guideline CLTV of 70% - Due Diligence Vendor-01/23/2026 Resolved-Audited CLTV of 69.12% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Audited CLTV of 69.12% exceeds Guideline CLTV of 60% The Audited CLTV of 69.12% exceeds Guideline CLTV of 60%. Additional conditions may apply. - Due Diligence Vendor-01/14/2026 |
36+mo 0x30 housing payment history No derogatory events. - 02/09/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Ready for Review-Document Uploaded. See attached AVM and 1008 shows 69 LTV. Please advise where audit is coming up with 80? - Seller-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Waived-Exception/Waiver received from investor - Due Diligence Vendor-02/09/2026 Resolved-Audited CLTV of 69.12% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-01/22/2026 |
XXXXXXX - Re CLTV.pdf XXXXXXX 1008 69 LTV.pdf XXXXXXX AVM 69 LTV.pdf AVM XX/XX/XXXX.pdf AVM XXXXXXX - 11 FSD.pdf XXXXXXX Exception.pdf |
36+mo 0x30 housing payment history No derogatory events. Initial loan file provided contains a valid AVM dated XX/XX/XXXX with value $XXX,XXX and FSD of .08. | AL | Investment | Refinance | Cash Out - Other | 7091925 | Investor Post-Close | No | |||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:36 | 2026-01-23 10:41 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lease Agreement | Resolved-Current lease received. - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Provide current and valid lease agreement for the subject property, as required by guidelines. Provided lease agreement expired on XX/XX/XXXX. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-Current lease received. - Due Diligence Vendor-01/23/2026 |
XXXXXXX-X-mallory.pdf | AL | Investment | Refinance | Cash Out - Other | 7096405 | N/A | N/A | ||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:35 | 2026-01-22 10:54 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Provide rent estimate from third party. It is required as per lender guidelines for investment property. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-Received - Due Diligence Vendor-01/22/2026 |
XXXXXXX - Rent Estimate.pdf | AL | Investment | Refinance | Cash Out - Other | 7096371 | N/A | N/A | ||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:42 | 2026-01-22 10:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. - Seller-01/22/2026 Open-Provide account statement from XXXX account as per inquiry LOE to verify balance and payments. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/22/2026 |
Resolved-Received. - Due Diligence Vendor-01/22/2026 |
XXXXXXX - UDN Reporting.pdf | AL | Investment | Refinance | Cash Out - Other | 7096644 | N/A | N/A | ||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:37 | 2026-01-21 09:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Provide 3 months business bank statements to verify the business deposits, as there is more than 20% de[redacted] in income from XXXX to XXXX and XXXX. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/20/2026 |
Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-01/21/2026 |
XXXXXXX-XX/XXXX Statement.pdf XXXXXXX-XX/XXXX Statement.pdf XXXXXXX-XX/XXXX Statement.pdf XXXXXXX-XX/XXXX Statement.pdf XXXXXXX-XX/XXXX Statement.pdf |
AL | Investment | Refinance | Cash Out - Other | 7096464 | N/A | N/A | ||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 12:18 | 2026-01-16 07:58 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Seller-01/15/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/15/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/16/2026 |
ECONSENT.pdf | AL | Investment | Refinance | Cash Out - Other | 7091067 | N/A | N/A | ||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:32 | 2026-01-16 07:55 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-01/16/2026 Open-Provide title report for subject property reflecting 1st lien and 2nd lien. As stated, the title report does not reflect both the liens. - Due Diligence Vendor-01/14/2026 |
Resolved-Title Document is not Missing - Due Diligence Vendor-01/16/2026 |
AL | Investment | Refinance | Cash Out - Other | 7096234 | N/A | N/A | ||||||
| 9762027 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:34 | 2026-01-16 07:54 | Resolved | 1 - Information | Credit | Eligibility | Missing Property Tax Cert | Resolved-Received - Due Diligence Vendor-01/16/2026 Ready for Review-Document Uploaded. - Seller-01/15/2026 Open-Provide tax certificate for the subject property - Due Diligence Vendor-01/14/2026 |
Ready for Review-Document Uploaded. - Seller-01/15/2026 |
Resolved-Received - Due Diligence Vendor-01/16/2026 |
XXXXXXX tax cert.pdf | AL | Investment | Refinance | Cash Out - Other | 7096286 | N/A | N/A | ||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:42 | 2026-02-26 13:22 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Proof borrower received NORTC form well before rescission expiration received. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. - Seller-02/25/2026 Counter-No proof of delivery provided, borrower signed NORTC form 1 day prior to expiration of rescission period. Borrower was not provided a full, legal rescission period. Condition remains. - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/24/2026 Counter-The Finance charge on the lender Final CD is $XXX,XXX.XX. Our calculation is $XXX,XXX.XX. The difference is $XXX. After reviewing the lender compliance report, it appears that they did not include the $XXX Transaction management fee as a Finance charge. Items requested were a Letter of Explanation, Proof of Restitution ($XXX), Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Received Copy of refund check and Letter of explanation. Please provide disclosed correct information, proof of borrower receipt and re-open recession. Condition remains. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Counter-After we received the Final CD, we re-ran XXXXXX. The Finance charge on the lender Final CD is $XXX,XXX.XX. Our calculation is $XXX,XXX.XX. The difference is $XXX. After reviewing the lender compliance report, it appears that they did not include the $XXX Transaction management fee as a Finance charge. Provide Letter of Explanation, Proof of Restitution ($XXX), Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-02/16/2026 Ready for Review-good morning my closing department asked me to reach out before she open a recission date are you looking for $XXX,XXX.XX you have the amount $XXX,XXX.XX - Seller-02/13/2026 Open-Received the Final CD. The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1). It appears the lender did not include the Transaction management fee in the amount of $XXX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/06/2026 Open-The disclosed finance charge ($X.XX) is ($XXX,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. - Seller-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Ready for Review-good morning my closing department asked me to reach out before she open a recission date are you looking for $XXX,XXX.XX you have the amount $XXX,XXX.XX - Seller-02/13/2026 |
Resolved-Proof borrower received NORTC form well before rescission expiration received. - Due Diligence Vendor-02/26/2026 |
XXXXXXX LETTER PCCD----------------.pdf COPY OF REFUND CHECK.pdf XXXXXXX POST CLOSING CD.pdf XXXXXXX.pdf FedEx Label for XXXXXXX XXXXXXX.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 7473514 | N/A | N/A | ||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:04 | 2026-02-12 11:04 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. - Seller-02/11/2026 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/11/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/12/2026 |
FINAL CLOSING DISCLOSURE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7472324 | N/A | N/A | ||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:42 | 2026-02-12 09:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/06/2026 Open-The disclosed Total of Payments ($X.XX) is understated by more than the greater of $XXX or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($XXX.XX) or $XXX, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 |
Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7473513 | N/A | N/A | ||||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:42 | 2026-02-12 09:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/06/2026 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 |
Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7473515 | N/A | N/A | ||||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:42 | 2026-02-12 09:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/06/2026 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 |
Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7473518 | N/A | N/A | ||||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:42 | 2026-02-12 09:00 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 Resolved- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/06/2026 Open-The disclosed APR (0.0) is lower than the actual APR (10.604) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 Open- - Due Diligence Vendor-02/05/2026 |
Resolved-Final CD received. - Due Diligence Vendor-02/12/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7473519 | N/A | N/A | ||||||
| 6095624 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:42 | 2026-02-12 08:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. - Seller-02/11/2026 Open-Condo Rider is Missing Missing Condo Rider. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/11/2026 |
Resolved-The Condo Rider is Present - Due Diligence Vendor-02/12/2026 |
CONDO RIDER.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7473512 | N/A | N/A | ||||
| 7303461 | XXXXXXX | XXXXXX | Closed | 2026-02-06 14:56 | 2026-05-12 07:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Since Subject property is investment hence as per the XXXXXX guideline, we required the current lease agreement and third party rent estimate (XXXXXX/Third party) for the subject property which is missing in the loan file. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/24/2026 |
[redacted]l-Lease-for-Apartment-or-Unit-in-Multi-Family-Rental-Housi.pdf | FL | Investment | Refinance | Cash Out - Other | 7498422 | N/A | N/A | ||||
| 7303461 | XXXXXXX | XXXXXX | Closed | 2026-02-06 15:54 | 2026-03-06 11:22 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Asset Documentation | Waived-Waiver received. - Due Diligence Vendor-03/06/2026 Counter-Document Uploaded. We have provided comp factor - please suggest which is not valid - Seller-03/05/2026 Counter-comp factor invalid. - Due Diligence Vendor-02/26/2026 Counter-Document Uploaded. Please find attached Exception from XXXXX. - Seller-02/26/2026 Counter-Investor guidelines specify 1) what documentation is required to exclude a 30 day charge account. 2) If the guidelines are silent, default to XXXX guidelines. XXXX does not allow cash out to be used as an asset. Please provide asset documentation dated prior to close in order to exclude the account. - Due Diligence Vendor-02/26/2026 Ready for Review-AS PER UNDERWRITTER GUIDELINES DO NOT SAY CASH OUT CANNOT BE USED AS RESERVES, PLEASE ADVISE THANK YOU! - Seller-02/25/2026 Counter-Guidelines do not specify use of cash out for assets. - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Open-Missing Asset Documentation. Lender guidelines require either documentation of sufficient assets to cover the balance of balance monthly accounts or proof paid. Please provide documentation to support the exclusion of the borrowers' balance monthly liability. - Due Diligence Vendor-02/06/2026 |
Ready for Review-AS PER UNDERWRITTER GUIDELINES DO NOT SAY CASH OUT CANNOT BE USED AS RESERVES, PLEASE ADVISE THANK YOU! - Seller-02/25/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 |
Waived-Waiver received. - Due Diligence Vendor-03/06/2026 |
Cash out is sufficient reserves to cover the XXXX.pdf Exception.pdf |
DTI 5% below qualifying Credit score 10+ points above qualifying No derog events. |
FL | Investment | Refinance | Cash Out - Other | 7499880 | Investor Post-Close | No | |||
| 7303461 | XXXXXXX | XXXXXX | Closed | 2026-02-05 13:59 | 2026-02-24 14:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/24/2026 Resolved-Received - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Open-Borrower 2 Executed 4506-T Missing Executed 4506-T is missing from loan file for B2. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/24/2026 Resolved-Received - Due Diligence Vendor-02/19/2026 |
4506 c.pdf | FL | Investment | Refinance | Cash Out - Other | 7475172 | N/A | N/A | ||||
| 7303461 | XXXXXXX | XXXXXX | Closed | 2026-02-06 12:48 | 2026-02-24 14:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lease Agreement | Resolved- - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Counter-Third party rent estimate (XXXXXX/Third party) for the subject property is missing. - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 Open-Since Subject property is investment hence as per the XXXXXX guideline, we required the current lease agreement and third party rent estimate (XXXXXX/Third party) for the subject property which is missing in the loan file. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/23/2026 Ready for Review-Document Uploaded. - Seller-02/23/2026 |
[redacted]-Lease-for-Apartment-or-Unit-in-Multi-Family-Rental-Housi.pdf rent est.pdf |
FL | Investment | Refinance | Cash Out - Other | 7495010 | N/A | N/A | |||||
| 2233768 | XXXXXXX | XXXXXX | Closed | 2026-02-05 14:45 | 2026-02-12 11:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing letter of explanation | Resolved-Received. - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. - Seller-02/12/2026 Counter-Missing borrower execution - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 Open-The loan file is missing an inquiry letter addressing XX/XX/XXXX and XX/XX/XXXX inquiries noted on credit supplement. - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. - Seller-02/12/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 |
Resolved-Received. - Due Diligence Vendor-02/12/2026 |
LETTER OF EXPLNATION.pdf [redacted]-_Post_close_documentXXXXXXX.com.pdf |
OH | Primary Residence | Refinance | Cash Out - Other | 7475981 | N/A | N/A | ||||
| 2962445 | XXXXXXX | XXXXXX | Closed | 2026-01-22 13:57 | 2026-01-27 11:30 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. - Seller-01/26/2026 Open-Title Document is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |
Ready for Review-Document Uploaded. - Seller-01/26/2026 |
Resolved-Title Document is not Missing - Due Diligence Vendor-01/27/2026 |
title.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 7252769 | N/A | N/A | ||||
| 9596526 | XXXXXXX | XXXXXX | Closed | 2026-02-17 08:28 | 2026-02-23 09:43 | Resolved | 1 - Information | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Diligence performed--covered under rep/warrent - Due Diligence Vendor-02/23/2026 Ready for Review-good morning for this condition the processors cert wasn't acceptable can you please advise what document is needed to clear this condition, thank you - Seller-02/19/2026 Open-Credit reports reflect fraud alerts with no Contact detail. As per guidelines, any credit report alerts must be reasonably resolved with supporting documentation in the loan file. There is only a processor cert is present in file, please provide supporting documentation. - Due Diligence Vendor-02/17/2026 |
Ready for Review-good morning for this condition the processors cert wasn't acceptable can you please advise what document is needed to clear this condition, thank you - Seller-02/19/2026 |
Resolved-Diligence performed--covered under rep/warrent - Due Diligence Vendor-02/23/2026 |
NJ | Investment | Refinance | Cash Out - Other | 7651728 | N/A | N/A | |||||
| 9596526 | XXXXXXX | XXXXXX | Closed | 2026-02-16 10:21 | 2026-02-22 07:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received current lease agreement (lease & renewal) along with third-party rent estimate (XXXXXX/third party). Condition resolved. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Subject property is an investment, using the required supporting document to verify the current Market Rent. However, the current lease agreement and third-party rent estimate (XXXXXX/third party) documents for the subject property are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/20/2026 |
Resolved-Received current lease agreement (lease & renewal) along with third-party rent estimate (XXXXXXX/third party). Condition resolved. - Due Diligence Vendor-02/22/2026 |
XXXXXXX Rent Estimate.pdf XXXXXXX Lease.pdf XXXXXXX lease renewal.pdf |
NJ | Investment | Refinance | Cash Out - Other | 7633266 | N/A | N/A | ||||
| 9596526 | XXXXXXX | XXXXXX | Closed | 2026-02-16 08:19 | 2026-02-22 07:08 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received current lease agreement (lease & renewal) along with third-party rent estimate (XXXXXX/third party). Condition resolved. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Open-Subject property is an investment, using the required supporting document to verify the current Market Rent. However, the current lease agreement and third-party rent estimate (XXXXXX/third party) documents for the subject property are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/20/2026 |
Resolved-Received current lease agreement (lease & renewal) along with third-party rent estimate (XXXXXXX/third party). Condition resolved. - Due Diligence Vendor-02/22/2026 |
XXXXXXX lease renewal.pdf XXXXXXX Lease.pdf XXXXXXX Rent Estimate.pdf |
NJ | Investment | Refinance | Cash Out - Other | 7631379 | N/A | N/A | ||||
| 9596526 | XXXXXXX | XXXXXX | Closed | 2026-02-17 08:26 | 2026-02-22 06:52 | Resolved | 1 - Information | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003, VVOE with corrected work# along with business internet search. Condition cleared. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. - Seller-02/19/2026 Counter-Please provide revised 1003, as well. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-Borrower information on 1003 is incomplete Borrower personal phone number is listed as employer number on 1003, also the same number is used to validate VVOE. Provide correct 1003(employer) and VVOE, as online search reflects the number belonging to the borrower. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. - Seller-02/19/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-Received updated 1003, VVOE with corrected work# along with business internet search. Condition cleared. - Due Diligence Vendor-02/22/2026 |
FVOE XXXXXXX - updated #.pdf TPV B1.pdf CORRECTED WORK NUMBER.pdf |
NJ | Investment | Refinance | Cash Out - Other | 7651642 | N/A | N/A | ||||
| 9596526 | XXXXXXX | XXXXXX | Closed | 2026-02-16 07:21 | 2026-02-18 13:35 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-Title Document is missing The Title Document is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-Title Document is not Missing - Due Diligence Vendor-02/18/2026 |
TITLE.pdf | NJ | Investment | Refinance | Cash Out - Other | 7630319 | N/A | N/A | ||||
| 9596526 | XXXXXXX | XXXXXX | Closed | 2026-02-16 05:31 | 2026-02-18 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-The Deed of Trust is Missing Deed of Trust is Missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/16/2026 |
Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/18/2026 |
MORTGAGE.pdf | NJ | Investment | Refinance | Cash Out - Other | 7628636 | N/A | N/A | ||||
| 1203310 | XXXXXXX | XXXXXX | Closed | 2026-02-06 08:50 | 2026-02-12 09:16 | Resolved | 1 - Information | Property | Appraisal | Valuation product is deficient | Resolved-Lower value used. - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. - Seller-02/11/2026 Open-Missing AVM report to support the $XXX,XXX.XX value used to close the deal. Provided AVM in file is dated XX/XX/XXXX with value $XXX,XXX.XX making CLTV 70%. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/11/2026 |
Resolved-Lower value used. - Due Diligence Vendor-02/12/2026 |
XXXXXXX - 1008 Final.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7488023 | N/A | N/A | ||||
| 1203310 | XXXXXXX | XXXXXX | Closed | 2026-02-06 06:02 | 2026-02-10 13:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. - Seller-02/09/2026 Open-The Deed of Trust is Missing Deed of Trust is Missing. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. - Seller-02/09/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/10/2026 |
XXXXXXX MORTGAGE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7484648 | N/A | N/A | ||||
| 1168623 | XXXXXXX | XXXXXX | Closed | 2026-01-30 04:18 | 2026-02-02 13:16 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document Uploaded. - Seller-02/02/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/02/2026 |
econsent.pdf | AL | Primary Residence | Refinance | Cash Out - Other | 7366273 | N/A | N/A | ||||
| 1168623 | XXXXXXX | XXXXXX | Closed | 2026-01-30 07:53 | 2026-01-30 07:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7371211 | Investor Post-Close | No | ||||||
| 2883827 | XXXXXXX | XXXXXX | Closed | 2026-03-06 13:31 | 2026-03-16 14:15 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Title Document is missing - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. - Seller-03/13/2026 |
Resolved-Title Document is not Missing - Due Diligence Vendor-03/16/2026 |
ttile.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7977546 | N/A | N/A | ||||
| 9136660 | XXXXXXX | XXXXXX | Closed | 2026-02-13 08:35 | 2026-02-22 07:28 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement dated XX/XX/XXXX reflecting 0x30 covering the last 3 months. Condition cleared. - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. - Seller-02/20/2026 Counter-Document provided shows payment was not made. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 Open-Housing History Does Not Meet Guideline Requirements Missing proof of timely first lien XX/XX/XXXX payment. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/17/2026 |
Resolved-Received credit supplement dated XX/XX/XXXX reflecting 0x30 covering the last 3 months. Condition cleared. - Due Diligence Vendor-02/22/2026 |
XXXXXXX - Mortgage Statement - XXX payment made.pdf XXXXXXX supp.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 7607458 | N/A | N/A | ||||
| 9136660 | XXXXXXX | XXXXXX | Closed | 2026-02-12 07:39 | 2026-02-16 12:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - 1-4 Family Rider | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. Attached - Seller-02/12/2026 Open-1-4 Family Rider is Missing The 1-4 Family Rider is Missing. Additional conditions may apply. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. Attached - Seller-02/12/2026 |
Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-02/16/2026 |
XXXXXXX- 1-4 Fam Rider.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 7580622 | N/A | N/A | ||||
| 5226231 | XXXXXXX | XXXXXX | Closed | 2026-03-12 11:03 | 2026-03-24 10:21 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Sufficient documentation provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Counter-Fraud report indicates liens were filed in a different county than cited on submitted documentation. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 Open-Please provide documentation to verify following tax liens reflect on fraud report are satisfied or paid-off : Tax Lien of $X,XXX, $X,XXX, $X,XXX, $XXX, $XXX, $X,XXX - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. - Seller-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-03/24/2026 |
XXXXXXX no judgments.pdf XXXXXXX XXXXXXX.pdf |
OH | Primary Residence | Refinance | Cash Out - Other | 8074589 | N/A | N/A | ||||
| 4402906 | XXXXXXX | XXXXXX | Closed | 2026-02-26 09:27 | 2026-03-13 11:42 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/12/2026 Open-Lender guidelines require a comprehensive business narrative for bank statement loans. Business narrative is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document Uploaded. - Seller-03/12/2026 |
Resolved-Received - Due Diligence Vendor-03/13/2026 |
[redacted]__Business_Narrative_Form-XXXXXXX.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7822559 | N/A | N/A | ||||
| 4402906 | XXXXXXX | XXXXXX | Closed | 2026-02-27 11:40 | 2026-03-05 10:57 | Resolved | 1 - Information | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Sufficient documentation provided. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-Please provide updated RCE, as provided RCE is not within 1 years of the note date. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-03/05/2026 |
XXXXXXX RCE please read.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7847885 | N/A | N/A | ||||
| 4402906 | XXXXXXX | XXXXXX | Closed | 2026-02-27 11:39 | 2026-03-05 10:50 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-Revised URLA received. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Seller-02/27/2026 Open-Please provide confirmation if borrower is married or not. As per title report, borrower is married; however, marital status on final 1003 is unmarried. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. - Seller-02/27/2026 |
Resolved-Revised URLA received. - Due Diligence Vendor-03/05/2026 |
XXXXXXX - URLA Married.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7847879 | N/A | N/A | ||||
| 4402906 | XXXXXXX | XXXXXX | Closed | 2026-02-27 11:40 | 2026-03-05 10:48 | Resolved | 1 - Information | Credit | Borrower | Missing LOE for excessive credit inquiries | Resolved-sufficient documentation provided. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. - Seller-02/27/2026 Open-Missing LOE for excessive credit inquiries Please provide letter of explanation for inquiry dated XX/XX/XXXX with XXXXXX-XXXXXXX/XXXXXXX on Undisclosed Debt Notifications Report dated XX/XX/XXXX.X) - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. - Seller-02/27/2026 |
Resolved-sufficient documentation provided. - Due Diligence Vendor-03/05/2026 |
XXXXXXX- UDN No New Debts.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7847884 | N/A | N/A | ||||
| 4534934 | XXXXXXX | XXXXXX | Closed | 2026-02-27 11:42 | 2026-03-06 11:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Excessive Inquiries) | Resolved-Signed LOX received. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. - Seller-03/05/2026 Open-Please provide letter of explanation for the inquiry dated XX/XX/XXXX with XXXXXXX XXXXXXXX XXXXXXX on credit report dated XX/XX/XXXX. - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. - Seller-03/05/2026 |
Resolved-Signed LOX received. - Due Diligence Vendor-03/06/2026 |
[redacted] - E-signature_Documents_-_XXXXXXX_Post_Close.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7847902 | N/A | N/A | ||||
| 4534934 | XXXXXXX | XXXXXX | Closed | 2026-02-27 11:42 | 2026-03-06 11:05 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation confirming 0 balance received. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. PLEASE SEE UPLOAD THIS WAS PAID OFF PRIOR TO APPLICATION - Seller-03/05/2026 Open-Provide documentation to verify monthly payment of the installment account listed on credit report without any monthly payment XXXXXXXXX/XXXXXXXX #XXXX - Due Diligence Vendor-02/27/2026 |
Ready for Review-Document Uploaded. PLEASE SEE UPLOAD THIS WAS PAID OFF PRIOR TO APPLICATION - Seller-03/05/2026 |
Resolved-Documentation confirming 0 balance received. - Due Diligence Vendor-03/06/2026 |
ZeroBalance-XX/XX/XXXXT13_08_XXXXXXX.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7847913 | N/A | N/A | ||||
| 6470818 | XXXXXXX | XXXXXX | Closed | 2026-05-28 07:53 | 2026-06-08 11:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Sufficient documentation received. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Counter-UDN provided is dated XX/XX/XXXX, which is 68 days prior to closing. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. - Seller-06/02/2026 Counter-Document provided is dated XX/XX/XXXX, 72 days old, and was in initial loan file. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 Open-Borrower 1 Gap Credit Report is Missing Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 60 days from the Note Date. Credit Report in file is dated 72 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/02/2026 Ready for Review-Document Uploaded. - Seller-05/28/2026 |
Resolved-Sufficient documentation received. - Due Diligence Vendor-06/08/2026 |
CREDIT REPORT EXPIRES XX/XX.pdf XXXXXXX - UDN.pdf XXXXXXX - UDN XX/XX/XXXX.pdf RE_XXXXXXX XXXXX PLEASE READ.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 9419778 | N/A | N/A | ||||
| 6470818 | XXXXXXX | XXXXXX | Closed | 2026-05-28 07:53 | 2026-06-01 15:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender guidelines require that judgments, property tax liens, and past-due income taxes must be fully satisfied at or before closing, regardless of the amount. Please provide documentation that supports the judgments/property tax liens listed on fraud report have been fully satisfied. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/01/2026 |
XXXXXXX - tax lien paid.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9419779 | N/A | N/A | ||||
| 6470818 | XXXXXXX | XXXXXX | Closed | 2026-05-28 08:11 | 2026-06-01 13:50 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Resolved - Property Tax lien document has provided. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-Lender guidelines require that judgments, property tax liens, and past-due income taxes must be fully satisfied at or before closing, regardless of the amount. Please provide documentation that supports the judgments/property tax liens listed on fraud report have been fully satisfied. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. - Seller-05/29/2026 |
Resolved-Resolved - Property Tax lien document has provided. - Due Diligence Vendor-06/01/2026 |
XXXXXXX pd.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9420083 | N/A | N/A | ||||
| 4871356 | XXXXXXX | XXXXXX | Closed | 2026-04-29 15:41 | 2026-05-15 07:42 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Lender provided signed copies of business tax returns for 3 years. condition resolved. - Due Diligence Vendor-05/15/2026 Resolved-Borrower 2 Tax Returns Are Signed or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-Please provided signed business tax returns. Tax returns provided are not signed. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document Uploaded. - Seller-05/12/2026 |
Resolved-Lender provided signed copies of business tax returns for 3 years. condition resolved. - Due Diligence Vendor-05/15/2026 Resolved-Borrower 2 Tax Returns Are Signed or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/15/2026 |
TAX RETURNS.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8959394 | N/A | N/A | ||||
| 5338408 | XXXXXXX | XXXXXX | Closed | 2026-05-26 07:53 | 2026-05-27 15:03 | Resolved | 1 - Information | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Resolved - Condo Rider document has provided. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. - Seller-05/26/2026 Open-Condo Rider is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document Uploaded. - Seller-05/26/2026 |
Resolved-Resolved - Condo Rider document has provided. - Due Diligence Vendor-05/27/2026 |
CONDO RIDER.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9368838 | N/A | N/A | ||||
| 2884555 | XXXXXXX | XXXXXX | Closed | 2026-06-02 15:28 | 2026-07-02 15:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. - Seller-06/08/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender guidelines require that judgments, property tax liens, and past-due income taxes must be fully satisfied at or before closing, regardless of the amount. Please provide documentation that supports the judgments/property tax liens listed on fraud report have been fully satisfied. Additional conditions may apply - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. - Seller-06/08/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/09/2026 |
RE_ XXXXXXX XXXXXXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9515209 | N/A | N/A | ||||
| 8338912 | XXXXXXX | XXXXXX | Closed | 2026-02-09 14:15 | 2026-02-12 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/12/2026 Ready for Review- - Buyer-02/12/2026 Open-Missing Flood Certificate - Due Diligence Vendor-02/09/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/12/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_Flood Cert.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7523176 | N/A | N/A | |||||
| 8338912 | XXXXXXX | XXXXXX | Closed | 2026-02-09 12:25 | 2026-02-12 09:56 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/12/2026 Ready for Review- - Buyer-02/12/2026 Ready for Review- - Buyer-02/12/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-02/09/2026 |
Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/12/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_OFAC.pdf XXXXXXX_XXXXXXX-XXXXXXX_OFAC 2.pdf XXXXXXX_XXXXXXX-XXXXXXX_OFAC 2.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7520593 | N/A | N/A | |||||
| 9784931 | XXXXXXX | XXXXXX | Closed | 2025-12-17 08:31 | 2025-12-19 09:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Documentation received. - Due Diligence Vendor-12/19/2025 Ready for Review- - Buyer-12/18/2025 Ready for Review-LP states only the most recent W2 is required. - Buyer-12/17/2025 Open-Borrower 1 W2/1099 Missing Guidelines require W-2s covering most recent 2-year period. XXXX W-2 is in the file. Provide XXXX W-2 or transcripts or a Written VOE. - Due Diligence Vendor-12/17/2025 |
Resolved-Documentation received. - Due Diligence Vendor-12/19/2025 |
XXXXXXX_XXXXXXX-XXXXXXX_LP.pdf XXXXXXX_XXXXXXX-XXXXXXX_W2 2023.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6660291 | N/A | N/A | |||||
| 7583365 | XXXXXXX | XXXXXX | Closed | 2026-03-04 14:07 | 2026-03-13 11:59 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-03/13/2026 Ready for Review- - Seller-03/12/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-03/04/2026 |
Ready for Review- - Seller-03/12/2026 |
Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-03/13/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_4506.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7927955 | N/A | N/A | ||||
| 7583365 | XXXXXXX | XXXXXX | Closed | 2026-03-04 15:59 | 2026-03-13 11:58 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-03/13/2026 Ready for Review- - Seller-03/12/2026 Counter-Please provide property tax info. - Due Diligence Vendor-03/12/2026 Ready for Review- - Buyer-03/10/2026 Open-equired supporting documents for the Second Home property (3b in 1003) to Verify monthly PITI. Additional conditions may apply. - Due Diligence Vendor-03/04/2026 |
Ready for Review- - Seller-03/12/2026 |
Resolved-Received - Due Diligence Vendor-03/13/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXXX DOC.pdf XXXXXXX_XXXXXXX-XXXXXXX_XXXX-XXXX TAX 2ND DUE.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7931088 | N/A | N/A | ||||
| 7583365 | XXXXXXX | XXXXXX | Closed | 2026-03-04 14:28 | 2026-03-13 11:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/13/2026 Ready for Review-NOTE, CD, INSURANCE, TAX INFO PROVIDED - Buyer-03/12/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Required supporting documents for the Second Home property (3b in 1003) to Verify monthly PITI. Additional conditions may apply. - Due Diligence Vendor-03/09/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/13/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7928609 | N/A | N/A | ||||||
| 7583365 | XXXXXXX | XXXXXX | Closed | 2026-03-04 15:49 | 2026-03-12 10:10 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 45.52% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/12/2026 Ready for Review-Max DTI for this loan is 50% as the Fico is 717 and CLTV 58%. - Buyer-03/10/2026 Open-Audited DTI of 45.52% exceeds Guideline DTI of 43% 43% is the max allowed per Jumbo Guidelines. - Due Diligence Vendor-03/09/2026 |
Resolved-Audited DTI of 45.52% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/12/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7930885 | N/A | N/A | ||||||
| 4609914 | XXXXXXX | XXXXXX | Closed | 2026-03-04 09:24 | 2026-03-13 12:00 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-03/13/2026 Ready for Review- - Buyer-03/12/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-03/04/2026 |
Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-03/13/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_4506.pdf | CA | Second Home | Refinance | Cash Out - Other | 7918893 | N/A | N/A | |||||
| 4609914 | XXXXXXX | XXXXXX | Closed | 2026-03-04 13:28 | 2026-03-12 10:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-03/12/2026 Ready for Review- - Buyer-03/10/2026 Open-Missing verification of the PITI amounts for the Primary 1st lien. Additional conditions may apply. - Due Diligence Vendor-03/04/2026 |
Resolved-Received - Due Diligence Vendor-03/12/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_MTG STMT SUBJ 1ST.pdf | CA | Second Home | Refinance | Cash Out - Other | 7927011 | N/A | N/A | |||||
| 4609914 | XXXXXXX | XXXXXX | Closed | 2026-03-04 13:29 | 2026-03-12 10:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/12/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing verification of the PITI amounts for the Primary 1st lien. Additional conditions may apply. - Due Diligence Vendor-03/04/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/12/2026 |
CA | Second Home | Refinance | Cash Out - Other | 7927028 | N/A | N/A | ||||||
| 2006321 | XXXXXXX | XXXXXX | Closed | 2026-05-15 14:16 | 2026-05-15 14:18 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived-Document Uploaded. Waiver given prior to closing with valid comp factors. - Due Diligence Vendor-05/15/2026 Open-Borrower 1 Business Bank Statements Missing Business banks statements are not in the loan file. Exception was granted prior to close. - Due Diligence Vendor-05/15/2026 |
Waived-Document Uploaded. Waiver given prior to closing with valid comp factors. - Due Diligence Vendor-05/15/2026 |
XXXXXXX_Exception.pdf | CLTV 72.6, 7.4% below max Credit score above program min DTI 8+% below max qualifying |
CA | Primary Residence | Refinance | Cash Out - Other | 9226042 | Originator Pre-Close | Yes | ||||
| 3172339 | XXXXXXX | XXXXXX | Closed | 2026-05-29 15:52 | 2026-07-09 13:18 | Waived | 2 - Non-Material | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Document Uploaded. Waiver received for trust cert >12 months old. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-05/29/2026 Open-Trust/POA Does Not Meet Guideline Requirements - Due Diligence Vendor-05/29/2026 |
Waived-Document Uploaded. Waiver received for trust cert >12 months old. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B - Due Diligence Vendor-05/29/2026 |
XXXXXXX Trust exception.pdf | CLTV 13% below max Credit score 12pt above min s/e 8+ years. |
CA | Primary Residence | Refinance | Cash Out - Other | 9461290 | Investor Post-Close | No | ||||
| 8917472 | XXXXXXX | XXXXXX | Closed | 2026-02-27 09:52 | 2026-07-09 12:06 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/05/2026 Ready for Review-Can you please clarify what is needed here? Thank you! - Buyer-03/04/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing asset verification. - Due Diligence Vendor-02/27/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7845260 | N/A | N/A | ||||||
| 8917472 | XXXXXXX | XXXXXX | Closed | 2026-02-27 09:50 | 2026-03-05 16:05 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $0 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-03/05/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $-134.94 is less than Total Required Reserve Amount of $0 - Due Diligence Vendor-03/05/2026 Resolved-Proof of monthly payment received. - Due Diligence Vendor-03/05/2026 Ready for Review- - Buyer-03/02/2026 Open-Total Qualified Assets for Reserves Post-Close of $-4596 is less than Total Required Reserve Amount of $0 An XXXX account in file is Balance due monthly in the amount of $XXXX. Guidelines do not state cash out can be used for reserves or balance monthly accounts. Missing asset verification. - Due Diligence Vendor-02/27/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $0 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-03/05/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $-134.94 is less than Total Required Reserve Amount of $0 - Due Diligence Vendor-03/05/2026 Resolved-Proof of monthly payment received. - Due Diligence Vendor-03/05/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXXX XXXX Statement.pdf XXXXXXX_XXXXXXX-XXXXXXX_XXXXXXX Assets.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7845224 | N/A | N/A | |||||
| 8103580 | XXXXXXX | XXXXXX | Closed | 2026-03-20 07:48 | 2026-03-24 10:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-03/24/2026 Ready for Review- - Buyer-03/20/2026 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-03/20/2026 |
Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-03/24/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXXX-XXXXXXX payoff.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8233939 | N/A | N/A | |||||
| 3606253 | XXXXXXX | XXXXXX | Closed | 2026-05-13 09:20 | 2026-05-15 12:54 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.58% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/15/2026 Ready for Review-Guidelines say 'The maximum DTI is 50% across the board for all loans. Any loans with a DTI above 50 need an exception.'. Please waive this condition. - Seller-05/14/2026 Open-Audited DTI of 45.95% exceeds Guideline DTI of 43% - Due Diligence Vendor-05/13/2026 |
Ready for Review-Guidelines say 'The maximum DTI is 50% across the board for all loans. Any loans with a DTI above 50 need an exception.'. Please waive this condition. - Seller-05/14/2026 |
Resolved-Audited DTI of 49.58% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/15/2026 |
PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9173498 | N/A | N/A | |||||
| 3606253 | XXXXXXX | XXXXXX | Closed | 2026-05-13 09:20 | 2026-05-15 12:54 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $510.8 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-05/15/2026 Ready for Review-Please waive this. We can add this $XXX0 in DTI. DTI will still under 50% limit. - Seller-05/14/2026 Open-Audited Assets of $-239.2 are less than Guideline Required Assets of $0. Amount of assets provided does not cover the costs to close and the open 30-day account. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Please waive this. We can add this $750 in DTI. DTI will still under 50% limit. - Seller-05/14/2026 |
Resolved-Audited Assets of $510.8 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-05/15/2026 |
PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9173499 | N/A | N/A | |||||
| 3606253 | XXXXXXX | XXXXXX | Closed | 2026-05-13 09:06 | 2026-05-15 12:53 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $510.8 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-05/15/2026 Open-Total Qualified Assets for Reserves Post-Close of $-239.2 is less than Total Required Reserve Amount of $0 Amount of assets provided does not cover the costs to close and the open 30-day account. - Due Diligence Vendor-05/13/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $510.8 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-05/15/2026 |
PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9173116 | N/A | N/A | ||||||
| 3606253 | XXXXXXX | XXXXXX | Closed | 2026-05-13 09:07 | 2026-05-15 12:44 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-ICD received. - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Ready for Review-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) . - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/15/2026 Ready for Review- - Seller-05/15/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) The initial CD is missing from the loan file. Compliance will be re-run upon receipt. Additional conditions may apply. No Cure. - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 |
Ready for Review- - Seller-05/15/2026 |
Resolved-ICD received. - Due Diligence Vendor-05/15/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXX ICD.pdf | PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9173128 | N/A | N/A | ||||
| 3606253 | XXXXXXX | XXXXXX | Closed | 2026-05-13 07:15 | 2026-05-15 12:31 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/15/2026 Ready for Review- - Seller-05/13/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-05/13/2026 |
Ready for Review- - Seller-05/13/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-05/15/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXX Econsent.pdf | PA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9170748 | N/A | N/A | ||||
| 6854049 | XXXXXXX | XXXXXX | Closed | 2026-05-28 02:04 | 2026-06-02 11:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-06/02/2026 Ready for Review-HELOC payoff for loan paid off by THIS NEW lien at closing - Buyer-06/01/2026 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-05/28/2026 |
Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-06/02/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXX XXXX HELOC payoff.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 9415084 | N/A | N/A | |||||
| 6854049 | XXXXXXX | XXXXXX | Closed | 2026-05-28 01:31 | 2026-06-02 11:20 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-06/02/2026 Ready for Review-econsent - Buyer-06/01/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-05/28/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-06/02/2026 |
XXXXXXX_XXXXXXX-XXXXXXX_XXXXXX XXXX econsent.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 9414788 | N/A | N/A | |||||
| 6562518 | XXXXXXX | XXXXXX | Closed | 2024-03-12 09:08 | 2026-05-12 12:43 | Resolved | 1 - Information | Property | Value | S&P value equals C, junior lien and no secondary product | Resolved-Invalid finding. - Due Diligence Vendor-05/12/2026 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/12/2024 |
Resolved-Invalid finding. - Due Diligence Vendor-05/12/2026 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/12/2024 |
CA | Primary Residence | Refinance | Cash Out - Other | 1488343 | N/A | N/A | ||||||
| 6562518 | XXXXXXX | XXXXXX | Closed | 2024-03-12 09:07 | 2024-03-15 09:07 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Resolved - E-consent provided. - Due Diligence Vendor-03/15/2024 Ready for Review-Document Uploaded. Please find attached Econsent - Buyer-03/14/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-03/12/2024 |
Resolved-Resolved - E-consent provided. - Due Diligence Vendor-03/15/2024 |
XXXXXXX-Ecosent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 1488339 | N/A | N/A | |||||
| 9732997 | XXXXXXX | XXXXXX | Closed | 2024-03-11 09:24 | 2026-05-12 12:45 | Resolved | 1 - Information | Property | Value | S&P value equals C, junior lien and no secondary product | Resolved-Invalid Finding - Due Diligence Vendor-05/12/2026 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2024 |
Resolved-Invalid Finding - Due Diligence Vendor-05/12/2026 Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/11/2024 |
TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 1485432 | N/A | N/A | ||||||
| 9732997 | XXXXXXX | XXXXXX | Closed | 2024-03-11 08:28 | 2024-03-14 10:17 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Resolved - E-consent provided. - Due Diligence Vendor-03/14/2024 Ready for Review-Document Uploaded. Please find attached E-Consent. - Buyer-03/13/2024 Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-03/11/2024 |
Resolved-Resolved - E-consent provided. - Due Diligence Vendor-03/14/2024 |
XXXXXXX-Econsent.pdf | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 1485198 | N/A | N/A | |||||
| 4784813 | XXXXXXX | XXXXXX | Closed | 2024-06-05 01:33 | 2024-06-12 08:44 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post incident inspection provided - Due Diligence Vendor-06/12/2024 Ready for Review-Document Uploaded. PFA post disaster inspection report. - Buyer-06/11/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-06/05/2024 |
Resolved-Post incident inspection provided - Due Diligence Vendor-06/12/2024 |
Disaster Report-XXXXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 1786494 | N/A | N/A | |||||
| 8159175 | XXXXXXX | XXXXXX | Closed | 2025-10-15 09:31 | 2025-10-17 16:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender stated they are closed on Saturday. Condition cleared. - Due Diligence Vendor-10/17/2025 Resolved-Resolved - Due Diligence Vendor-10/17/2025 Ready for Review-We are within timing. We are closed on the weekend. The 12th is day one, 15th is day two and the 16th is the third day. Please advise. Same for the other condition. - Buyer-10/17/2025 Open- - Due Diligence Vendor-10/16/2025 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) . - Due Diligence Vendor-10/15/2025 Open- - Due Diligence Vendor-10/15/2025 |
Resolved-Lender stated they are closed on Saturday. Condition cleared. - Due Diligence Vendor-10/17/2025 Resolved-Resolved - Due Diligence Vendor-10/17/2025 |
MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5900623 | N/A | N/A | ||||||
| 8159175 | XXXXXXX | XXXXXX | Closed | 2025-10-15 09:31 | 2025-10-17 16:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender stated they are closed on Saturday. Condition cleared. - Due Diligence Vendor-10/17/2025 Resolved-Resolved - Due Diligence Vendor-10/17/2025 Ready for Review-We are within timing. We are closed on the weekend. The 12th is day one, 15th is day two and the 16th is the third day. Please advise. Same for the other condition. - Buyer-10/17/2025 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-10/15/2025 Open- - Due Diligence Vendor-10/16/2025 Open- - Due Diligence Vendor-10/15/2025 |
Resolved-Lender stated they are closed on Saturday. Condition cleared. - Due Diligence Vendor-10/17/2025 Resolved-Resolved - Due Diligence Vendor-10/17/2025 |
MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 5900622 | N/A | N/A | ||||||
| 5918694 | XXXXXXX | XXXXXX | Closed | 2025-05-28 05:29 | 2025-09-05 17:15 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/05/2025 Ready for Review-Document Uploaded. Please find the attached exception form to use income from ADU. - Seller-09/03/2025 Counter-Per XXXXXXX, subject has an ADU, which appears to be the source of the rental income. Investor guidelines are silent RE ADUs, per FNMA guidelines, "A borrower must qualify for the mortgage without considering any rental income from the ADU." - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. PFA XXXXXX search showing its Multifamily - Also supported with 2 years Schd E on Tax returns. If required can provide LOE from borrower its an Multi-family property - Buyer-06/03/2025 Open-Audited DTI of 54.24% exceeds Guideline DTI of 50% Lender uses rental income $XXXX from subject property however subject transaction is primary refinance, as per property profile report page#503 and fraud report showing as property type as single family residential and it is not a 2-4 unit hence audit not used those income for qualification. - Due Diligence Vendor-05/28/2025 |
Ready for Review-Document Uploaded. Please find the attached exception form to use income from ADU. - Seller-09/03/2025 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/05/2025 |
Multifamily.pdf Exception_Form.pdf |
CLTV >5% below the Maximum Qualifying Employment for an extended period at the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 4253309 | Originator Pre-Close | Yes | |||
| 5918694 | XXXXXXX | XXXXXX | Closed | 2025-06-02 08:29 | 2025-09-05 17:11 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/05/2025 Ready for Review-Document Uploaded. Please find the attached exception form to use income from ADU. - Seller-09/03/2025 Counter-Per XXXXXX, subject has an ADU, which appears to be the source of the rental income. Investor guidelines are silent RE ADUs, per FNMA guidelines, "A borrower must qualify for the mortgage without considering any rental income from the ADU." - Due Diligence Vendor-06/04/2025 Ready for Review- - Due Diligence Vendor-06/04/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. PFA XXXXXX search showing its Multifamily - Also supported with 2 years Schd E on Tax returns. If required can provide LOE from borrower its an Multi-family property - Buyer-06/03/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender guidelines do not allow the use rental income from a single-family primary residence. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. Please find the attached exception form to use income from ADU. - Seller-09/03/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/05/2025 |
Multifamily.pdf Exception_Form.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 4297148 | N/A | N/A | ||||
| 5918694 | XXXXXXX | XXXXXX | Closed | 2025-05-28 05:18 | 2025-06-04 09:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements. Flood policy provided. Finding resolved. - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. PFA Flood Policy - Buyer-06/03/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood insurance document is missing - Due Diligence Vendor-05/28/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements. Flood policy provided. Finding resolved. - Due Diligence Vendor-06/04/2025 |
Flood Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 4253260 | N/A | N/A | |||||
| 5918694 | XXXXXXX | XXXXXX | Closed | 2025-05-28 05:11 | 2025-06-04 08:53 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present. Flood policy provided. Finding resolved. - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. PFA Flood policy - Buyer-06/03/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-05/28/2025 |
Resolved-Flood Insurance Policy is fully present. Flood policy provided. Finding resolved. - Due Diligence Vendor-06/04/2025 |
Flood Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 4253225 | N/A | N/A | |||||
| 4164445 | XXXXXXX | XXXXXX | Closed | 2025-06-13 06:39 | 2025-09-30 11:58 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/30/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/24/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing GL section 4-2-6-9 requires Verbal Verification of employment for the current employer or paystub dated within ten business days of close however VVOE or paystub dated within 10 days is missing in file and provided WVOE is within 11 business days. - Due Diligence Vendor-06/13/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/30/2025 |
XXXXXXX XXXXXXX vvoe.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 4437403 | N/A | N/A | |||||
| 1134823 | XXXXXXX | XXXXXX | Closed | 2025-08-23 13:09 | 2026-05-12 08:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/12/2026 Resolved-VOR provided meets GLs. - Due Diligence Vendor-10/29/2025 Counter-Per guidelines, six months canceled checks or equivalent payment source, six months bank statements reflecting a clear and consistent payment to an organization or individual direct verification of rent from a management company or individual landlord or a copy of a current, fully executed lease agreement and two months canceled checks (or equivalent payment source) supporting the rental payment amount are required. - Due Diligence Vendor-10/28/2025 Counter-"Documentation Standards" section of guidelines require accounts reported by the borrower on the application must be verified for the most recent 12 months. - Due Diligence Vendor-10/21/2025 Ready for Review-As per XXXXXX Guidelines, 12 months rental history is required in case of Purchase Transaction. - Seller-10/17/2025 Counter-The VOR provided only covers a 7-month period. 12 months rental history is required. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/16/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements. Per guidelines, for investment properties, the borrower's monthly rental housing payment must be evaluated. Missing supporting documents to verify the rental payment/principal residence housing history. - Due Diligence Vendor-08/23/2025 |
Ready for Review-As per XXXXXX Guidelines, 12 months rental history is required in case of Purchase Transaction. - Seller-10/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/16/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/12/2026 Resolved-VOR provided meets GLs. - Due Diligence Vendor-10/29/2025 |
VOR.pdf | CA | Investment | Refinance | Cash Out - Other | 5293109 | N/A | N/A | ||||
| 1134823 | XXXXXXX | XXXXXX | Closed | 2025-08-23 13:09 | 2025-10-29 15:52 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR provided meets GLs. - Due Diligence Vendor-10/29/2025 Counter-Per guidelines, six months canceled checks or equivalent payment source, six months bank statements reflecting a clear and consistent payment to an organization or individual direct verification of rent from a management company or individual landlord or a copy of a current, fully executed lease agreement and two months canceled checks (or equivalent payment source) supporting the rental payment amount are required. - Due Diligence Vendor-10/28/2025 Resolved-Per client, no rental payment history is required on investment refinances. - Due Diligence Vendor-10/28/2025 Counter-"Documentation Standards" section of guidelines require accounts reported by the borrower on the application must be verified for the most recent 12 months. - Due Diligence Vendor-10/20/2025 Ready for Review-As per XXXXXX Guidelines, 12 months rental history is required in case of Purchase Transaction. - Buyer-10/17/2025 Counter-The VOR provided only covers a 7-month period. 12 months rental history is required. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Housing History Does Not Meet Guideline Requirements Per guidelines, for investment properties, the borrower's monthly rental housing payment must be evaluated. Missing supporting documents to verify the rental payment/principal residence housing history. - Due Diligence Vendor-08/23/2025 |
Resolved-VOR provided meets GLs. - Due Diligence Vendor-10/29/2025 Resolved-Per client, no rental payment history is required on investment refinances. - Due Diligence Vendor-10/28/2025 |
VOR.pdf | CA | Investment | Refinance | Cash Out - Other | 5293108 | N/A | N/A | |||||
| 4143172 | XXXXXXX | XXXXXX | Closed | 2025-08-15 07:56 | 2025-08-29 13:43 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/26/2025 Open-The Note is Not Executed - Due Diligence Vendor-08/15/2025 |
Resolved-The Note is Executed - Due Diligence Vendor-08/29/2025 |
NOTE.pdf | FL | Investment | Refinance | Cash Out - Other | 5190458 | N/A | N/A | |||||
| 8539614 | XXXXXXX | XXXXXX | Closed | 2025-11-10 15:17 | 2025-11-11 09:24 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.25% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-11/10/2025 | Waived-Audited DTI of 49.25% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-11/10/2025 |
Mortgage history 0x30 for 36 mos reviewed and no derogatory credit. | CA | Primary Residence | Refinance | Cash Out - Other | 6200248 | Originator Pre-Close | Yes | |||||
| 4832397 | XXXXXXX | XXXXXX | Closed | 2025-06-12 12:18 | 2026-05-14 07:11 | Waived | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Waived-Received Right of Rescission document. Finding will be deemed non-material. Condition waived. - Due Diligence Vendor-05/14/2026 Waived-Right of Rescission Document provided, Finding waived. - Due Diligence Vendor-05/14/2026 Waived-Finding waived. - Due Diligence Vendor-05/14/2026 Waived-Resolution provided, Finding waived. - Due Diligence Vendor-05/14/2026 Acknowledged-Handwritten NORTC waiver received. - Due Diligence Vendor-08/27/2025 Acknowledged-Handwritten NORTC waiver received. - Due Diligence Vendor-08/05/2025 Ready for Review-Document Uploaded. Please see attached LOE, Recession is waived. - Buyer-08/04/2025 Counter-Per CFPB https://www.consumerfinance.gov/ask-cfpb/can-i-ever-waive-my-right-to-rescind-on-my-mortgage-loan-en-188/ : You must give the lender your own written statement (pre-printed forms are not allowed) describing the emergency and clearly stating that you are waiving your right to rescind. The statement must be dated and signed by you and anyone else who shares in the ownership of the home. - Due Diligence Vendor-07/09/2025 Ready for Review-As per CFPB there is no mention of HANDWRITTEN. Borrower written on Doc and e-signed the LOE. Please waive the condition. - Seller-07/08/2025 Open- - Due Diligence Vendor-06/21/2025 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The borrowers provided a waiver for rescission; however, the waiver is not in a written statement and therefore cannot be accepted. - Due Diligence Vendor-06/12/2025 |
Ready for Review-As per XXXX there is no mention of HANDWRITTEN. Borrower written on Doc and e-signed the LOE. Please waive the condition. - Seller-07/08/2025 |
Waived-Received Right of Rescission document. Finding will be deemed non-material. Condition waived. - Due Diligence Vendor-05/14/2026 Waived-Right of Rescission Document provided, Finding waived. - Due Diligence Vendor-05/14/2026 Waived-Finding waived. - Due Diligence Vendor-05/14/2026 Waived-Resolution provided, Finding waived. - Due Diligence Vendor-05/14/2026 Acknowledged-Handwritten NORTC waiver received. - Due Diligence Vendor-08/27/2025 Acknowledged-Handwritten NORTC waiver received. - Due Diligence Vendor-08/05/2025 |
LOX.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4427535 | Investor Post-Close | No | ||||
| 4832397 | XXXXXXX | XXXXXX | Closed | 2025-06-21 11:30 | 2025-08-05 11:25 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-08/05/2025 Ready for Review-Document Uploaded. Please see attached LOE, Recession is waived. - Buyer-08/04/2025 Counter-Per CFPB https://www.consumerfinance.gov/ask-cfpb/can-i-ever-waive-my-right-to-rescind-on-my-mortgage-loan-en-188/ : You must give the lender your own written statement (pre-printed forms are not allowed) describing the emergency and clearly stating that you are waiving your right to rescind. The statement must be dated and signed by you and anyone else who shares in the ownership of the home. - Due Diligence Vendor-07/09/2025 Ready for Review-As per CFPB there is no mention of HANDWRITTEN. Borrower written on Doc and e-signed the LOE. Please waive the condition. - Buyer-07/08/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties The borrowers provided a waiver for rescission; however, the waiver is not in a written statement and therefore cannot be accepted. - Due Diligence Vendor-06/21/2025 |
Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-08/05/2025 |
LOX.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 4520998 | N/A | N/A | |||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-09-19 14:38 | 2025-10-09 14:53 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached final signed CD - Seller-10/09/2025 Open-TRID: Missing Final Closing Disclosure Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-10/06/2025 |
Ready for Review-Document Uploaded. Please see attached final signed CD - Seller-10/09/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/09/2025 |
Signed Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5606856 | N/A | N/A | ||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-10-09 14:50 | 2025-10-09 14:53 | Resolved | 1 - Information | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-10/09/2025 Open-CD: General Form Requirements Not Met - Due Diligence Vendor-10/09/2025 |
Resolved-CD: General Form Requirements Met - Due Diligence Vendor-10/09/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5843261 | N/A | N/A | ||||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-10-09 14:50 | 2025-10-09 14:53 | Resolved | 1 - Information | Compliance | TRID | CD: Refinance Statement Not Present | Resolved-CD: Refinance Statement Present - Due Diligence Vendor-10/09/2025 Open-CD: Refinance Statement Not Present - Due Diligence Vendor-10/09/2025 |
Resolved-CD: Refinance Statement Present - Due Diligence Vendor-10/09/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5843262 | N/A | N/A | ||||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-09-19 15:24 | 2025-10-09 14:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-10/09/2025 Ready for Review-The disclosed Total of Payments ($X.XX) is understated by more than the greater of $XXX or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($XXX.XX) or $XXX, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) - Due Diligence Vendor-10/09/2025 Open- - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached final signed CD, TOP is in compliance - Seller-10/09/2025 Open- - Due Diligence Vendor-10/06/2025 Open-The disclosed Total of Payments ($X.XX) is understated by more than the greater of $XXX or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($XXX.XX) or $XXX, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/06/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please see attached final signed CD, TOP is in compliance - Seller-10/09/2025 |
Resolved-Resolved - Due Diligence Vendor-10/09/2025 |
Signed Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5607410 | N/A | N/A | ||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-09-19 15:24 | 2025-10-09 14:51 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-10/09/2025 Ready for Review-The disclosed finance charge ($X.XX) is ($XXX,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-10/09/2025 Open- - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached final signed CD, Finance charges are in compliance - Seller-10/09/2025 Open- - Due Diligence Vendor-10/06/2025 Open-The disclosed finance charge ($X.XX) is ($XXX,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/06/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please see attached final signed CD, Finance charges are in compliance - Seller-10/09/2025 |
Resolved-Resolved - Due Diligence Vendor-10/09/2025 |
Signed Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5607411 | N/A | N/A | ||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-09-19 15:24 | 2025-10-09 14:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-10/09/2025 Ready for Review-The disclosed Total of Payments ($X.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-10/09/2025 Open- - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached final signed CD, TOP is in compliance - Seller-10/09/2025 Open- - Due Diligence Vendor-10/06/2025 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX,XX). The difference is ($XXX,XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/06/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please see attached final signed CD, TOP is in compliance - Seller-10/09/2025 |
Resolved-Resolved - Due Diligence Vendor-10/09/2025 |
Signed Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5607412 | N/A | N/A | ||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-09-19 15:24 | 2025-10-09 14:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Resolved - Due Diligence Vendor-10/09/2025 Ready for Review-The disclosed Total of Payments ($X.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) - Due Diligence Vendor-10/09/2025 Open- - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached final signed CD, TOP is in compliance - Seller-10/09/2025 Open- - Due Diligence Vendor-10/06/2025 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/06/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please see attached final signed CD, TOP is in compliance - Seller-10/09/2025 |
Resolved-Resolved - Due Diligence Vendor-10/09/2025 |
Signed Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5607415 | N/A | N/A | ||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-09-19 15:24 | 2025-10-09 14:51 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Resolved - Due Diligence Vendor-10/09/2025 Ready for Review-The disclosed APR (0.0) is lower than the actual APR (8.514) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) - Due Diligence Vendor-10/09/2025 Open- - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached final signed CD, APR is in compliance - Buyer-10/09/2025 Open- - Due Diligence Vendor-10/06/2025 Open-The disclosed APR (0.0) is lower than the actual APR (8.531) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/06/2025 Open- - Due Diligence Vendor-09/19/2025 |
Resolved-Resolved - Due Diligence Vendor-10/09/2025 |
Signed Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5607416 | N/A | N/A | |||||
| 3192933 | XXXXXXX | XXXXXX | Closed | 2025-10-06 15:11 | 2025-10-06 15:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/06/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/06/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5792320 | Investor Post-Close | No | ||||||
| 4086633 | XXXXXXX | XXXXXX | Closed | 2025-08-22 14:29 | 2025-09-06 10:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received YTD Profit & Loss. Condition cleared. - Due Diligence Vendor-09/06/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/03/2025 Counter-P&L not provided. - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower is self-employed. Guideline 4-2-6-4 requires either a signed and dated profit and loss statement for the current year most recent quarter ending or a signed and dated balance sheet for the current year most recent quarter ending. File does not contain either a profit and loss statement or balance sheet. - Due Diligence Vendor-08/22/2025 |
Resolved-Received YTD Profit & Loss. Condition cleared. - Due Diligence Vendor-09/06/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/06/2025 |
P&L statement.pdf XXXXXXX signed profit and loss.pdf |
ME | Primary Residence | Refinance | Cash Out - Other | 5287850 | N/A | N/A | |||||
| 4086633 | XXXXXXX | XXXXXX | Closed | 2025-08-22 14:28 | 2025-09-06 10:13 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received YTD Profit & Loss. Condition cleared. - Due Diligence Vendor-09/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/03/2025 Counter-P&L for borrower's business used for qualifying not provided. - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-Borrower 1 YTD Profit & Loss Missing Borrower is self-employed. Guideline 4-2-6-4 requires either a signed and dated profit and loss statement for the current year most recent quarter ending or a signed and dated balance sheet for the current year most recent quarter ending. File does not contain either a profit and loss statement or balance sheet. - Due Diligence Vendor-08/22/2025 |
Resolved-Received YTD Profit & Loss. Condition cleared. - Due Diligence Vendor-09/06/2025 |
P&L statement.pdf XXXXXXX signed profit and loss.pdf |
ME | Primary Residence | Refinance | Cash Out - Other | 5287815 | N/A | N/A | |||||
| 4086633 | XXXXXXX | XXXXXX | Closed | 2025-08-22 14:11 | 2025-08-22 14:11 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Self Employment - Borrower 1 | Waived-Borrower 1 is self-employed and the verification of self-employment in file is not dated within 10 business days of the Note date as is required by Guideline 4-1-5 Age of Documents required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/22/2025 | Waived-Borrower 1 is self-employed and the verification of self-employment in file is not dated within 10 business days of the Note date as is required by Guideline 4-1-5 Age of Documents required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/22/2025 |
* CLTV <5% below the Maximum Qualifying * DTI <5% below the Maximum Qualifying * Credit Score >1= 10+ Points more than qualifying |
ME | Primary Residence | Refinance | Cash Out - Other | 5287498 | Originator Pre-Close | Yes | |||||
| 6444605 | XXXXXXX | XXXXXX | Closed | 2025-08-14 15:12 | 2025-10-28 12:24 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing verification of housing payment history. - Due Diligence Vendor-08/14/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/20/2025 |
VOM.pdf | AL | Primary Residence | Refinance | Cash Out - Other | 5183906 | N/A | N/A | |||||
| 6444605 | XXXXXXX | XXXXXX | Closed | 2025-08-15 10:38 | 2025-08-20 10:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower) | Resolved-VVOE received. - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 business days of the Note date as required by guidelines. - Due Diligence Vendor-08/15/2025 |
Resolved-VVOE received. - Due Diligence Vendor-08/20/2025 |
XXXXXX VOE.pdf | AL | Primary Residence | Refinance | Cash Out - Other | 5193911 | N/A | N/A | |||||
| 6444605 | XXXXXXX | XXXXXX | Closed | 2025-08-14 15:12 | 2025-08-20 10:15 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Housing History Does Not Meet Guideline Requirements Missing verification of housing payment history. - Due Diligence Vendor-08/14/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/20/2025 |
VOM.pdf | AL | Primary Residence | Refinance | Cash Out - Other | 5183905 | N/A | N/A | |||||
| 6444605 | XXXXXXX | XXXXXX | Closed | 2025-08-15 09:13 | 2025-08-15 10:10 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Guidelines required an LQI/Refresh Credit Report when the credit report is > 45 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/15/2025 | Waived-Borrower 1 Gap Credit Report is Missing Guidelines required an LQI/Refresh Credit Report when the credit report is > 45 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/15/2025 |
Employment for extended period of time. | AL | Primary Residence | Refinance | Cash Out - Other | 5191755 | Originator Pre-Close | Yes | |||||
| 7527233 | XXXXXXX | XXXXXX | Closed | 2025-08-20 15:32 | 2025-09-06 12:01 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender exception provided and is dated post-closing. Compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-09/06/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-09/04/2025 Counter-Lender provided DTI matrix to indicate a FICO of 760-779 allows a DTI of 50% for an 80% LTV. The subject FICO score is 743 per the XX/XX/XXXX credit report provided in the loan file. The FICO of 743, limits the DTI to 45% for a CLTV of 80%. Condition remains. - Due Diligence Vendor-09/02/2025 Ready for Review-Document Uploaded. For FICO 769, and CLTV > 75% allowed DTI is 50%. - Buyer-08/27/2025 Open-Audited DTI of 48.27% exceeds Guideline DTI of 45% with LTV > 75%. - Due Diligence Vendor-08/26/2025 |
Waived-Lender exception provided and is dated post-closing. Compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-09/06/2025 |
Capture.png Exception Form.pdf |
0 x 30 housing payment history No derogatory events |
NJ | Primary Residence | Refinance | Cash Out - Other | 5256307 | Originator Post-Close | No | ||||
| 3793239 | XXXXXXX | XXXXXX | Closed | 2025-09-01 13:35 | 2025-10-30 05:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-09/24/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/24/2025 Ready for Review-Document Uploaded. Please find the attached document - Buyer-09/23/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Supporting document missing in the loan file to verify the XXXXX payment of $XX.XX. - Due Diligence Vendor-09/01/2025 |
Resolved-. - Due Diligence Vendor-09/24/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/24/2025 |
XXXXXXX document.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5373703 | N/A | N/A | |||||
| 6309462 | XXXXXXX | XXXXXX | Closed | 2025-08-23 04:55 | 2026-05-12 08:06 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/05/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. As verified from "Transaction Activity" section of Mortgage statement, borrower have 4x30 day lates in the past 24 months. Payment due for XX/XX/XXXX and XX/XX/XXXX is made on XX/XX/XXXX Payment due for XX/XX/XXXX is made on XX/XX/XXXX Payment due for XX/XX/XXXX is made on XX/XX/XXXX Payment due for XX/XX/XXXX and XX/XX/XXXX is made on XX/XX/XXXX Please find the attached Exception Form for the same. - Buyer-10/27/2025 Counter-Documentation submitted indicates the borrower was 1x30 each month on the 2nd mortgage from XX/XXXX up to XX/XXXX, then 1x30 again XX/XX/XXXX. - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing 24 month VOM for both 1st and 2nd mortgage, - Due Diligence Vendor-08/23/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-11/05/2025 |
VOM 2nd Mortgage.pdf VOM 1st mortgage.pdf Exception Form.pdf |
UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5292020 | N/A | N/A | |||||
| 6309462 | XXXXXXX | XXXXXX | Closed | 2025-08-23 04:55 | 2025-11-04 18:05 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. As verified from "Transaction Activity" section of Mortgage statement, borrower have 4x30 day lates in the past 24 months. Payment due for XX/XX/XXXX and XX/XX/XXXX is made on XX/XX/XXXX Payment due for XX/XX/XXXX is made on XX/XX/XXXX Payment due for XX/XX/XXXX is made on XX/XX/XXXX Payment due for XX/XX/XXXX and XX/XX/XXXX is made on XX/XX/XXXX Please find the attached Exception Form for the same. - Buyer-10/27/2025 Counter-Documentation submitted indicates the borrower was 1x30 each month on the 2nd mortgage from XX/XXXX up to XX/XXXX, then 1x30 again XX/XXXX. - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-Housing History Does Not Meet Guideline Requirements Supporting documents are required to verify the borrower's current primary residence housing history. Missing 24 month VOM for both 1st and 2nd mortgage, - Due Diligence Vendor-08/23/2025 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/05/2025 |
VOM 1st mortgage.pdf VOM 2nd Mortgage.pdf Exception Form.pdf |
CLTV 5% below the Maximum Qualifying Credit score >/= 10+ points more than qualifying. 723 FICO |
UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5292019 | Originator Pre-Close | Yes | ||||
| 2298803 | XXXXXXX | XXXXXX | Closed | 2025-08-23 05:36 | 2025-09-20 06:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-WVOE Provided. - Due Diligence Vendor-09/20/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower paystub and/or WVOE missing in the file - Due Diligence Vendor-08/23/2025 |
Resolved-WVOE Provided. - Due Diligence Vendor-09/20/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/20/2025 |
WVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5292048 | N/A | N/A | |||||
| 2298803 | XXXXXXX | XXXXXX | Closed | 2025-09-11 10:27 | 2025-09-20 06:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-WVOE provided. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Guidelines require Wage Earner income to be documented with a paystub dated within 30 days of the application date or a written VOE. The paystub or WVOE missing from loan file. - Due Diligence Vendor-09/11/2025 |
Resolved-WVOE provided. - Due Diligence Vendor-09/20/2025 |
WVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5501307 | N/A | N/A | |||||
| 8313507 | XXXXXXX | XXXXXX | Closed | 2025-09-27 10:04 | 2025-10-09 11:27 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.54% exceeds Guideline DTI of 43% Exception: DTI exception beyond 43% for FICO 642 with CLTV 63.75%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/27/2025 | Waived-Audited DTI of 48.54% exceeds Guideline DTI of 43% Exception: DTI exception beyond 43% for FICO 642 with CLTV 63.75%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/27/2025 |
Credit Score >1= 10+ Points more than qualifying is met 36+ Months 0x30 housing payment history is met |
TX | Primary Residence | Refinance | Cash Out - Other | 5694405 | Originator Pre-Close | Yes | |||||
| 5467216 | XXXXXXX | XXXXXX | Closed | 2025-08-25 12:24 | 2025-12-14 17:59 | Resolved | 1 - Information | Credit | Borrower | Missing required documentation for debt paid by others | Resolved-Received documentation. Condition cleared. - Due Diligence Vendor-12/14/2025 Ready for Review-Document Uploaded. Please find the attached document. The payment for XX/XXXX is n/a. The XXXXX loan account statement shows the payment is due on XX/XX. The trended data on the credit report shows no payment but does not report late. - Buyer-12/11/2025 Counter-Please provide 12 months bank statements or canceled checks to verify that someone, other than the borrower, is making the payments for the debt that was excluded from the DTI (account ending in XXXX). See the lender comments on page 2 of the 1008 and guidelines. Condition remains. - Due Diligence Vendor-12/10/2025 Ready for Review-The payment for XX/XXXX is n/a. The XX/XXXX loan account statement shows the payment is due on XX/XX. The trended data on the credit report shows no payment but does not report late. - Buyer-12/08/2025 Open-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Liability #1 listed on Final 1003 is excluded from DTI. For the same excluding proof is missing in file - Due Diligence Vendor-08/25/2025 |
Resolved-Received documentation. Condition cleared. - Due Diligence Vendor-12/14/2025 |
proof of debt paid by others.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5304077 | N/A | N/A | |||||
| 5467216 | XXXXXXX | XXXXXX | Closed | 2025-08-25 12:18 | 2025-12-14 17:58 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/14/2025 Ready for Review-Document Uploaded. Please find the attached document. The payment for XX/XXXX is n/a. The XX/XXXX loan account statement shows the payment is due on XX/XX. The trended data on the credit report shows no payment but does not report late. - Buyer-12/11/2025 Counter-Please provide 12 months bank statements or canceled checks to verify that someone, other than the borrower, is making the payments for the debt that was excluded from the DTI (account ending in XXXX). See the lender comments on page 2 of the 1008 and guidelines. Condition remains. - Due Diligence Vendor-12/10/2025 Ready for Review-The payment for XX/XXXX is n/a. The XX/XXXX loan account statement shows the payment is due on XX/XX. The trended data on the credit report shows no payment but does not report late. - Buyer-12/08/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-08/25/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/14/2025 |
proof of debt paid by others.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5303852 | N/A | N/A | |||||
| 6458937 | XXXXXXX | XXXXXX | Closed | 2025-08-24 04:36 | 2025-09-11 07:58 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline states Credit report date is 45 days from the Note date. Despite this requirement, documentation in file indicates 66 days from the Note date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/24/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline states Credit report date is 45 days from the Note date. Despite this requirement, documentation in file indicates 66 days from the Note date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/24/2025 |
1. CLTV <5% below the Maximum Qualifying. 2. DTI <5% below the Maximum Qualifying. 3. Employment for an extended period at the same job. |
AZ | Primary Residence | Refinance | Cash Out - Other | 5293994 | Originator Pre-Close | Yes | |||||
| 2255439 | XXXXXXX | XXXXXX | Closed | 2025-08-25 10:46 | 2025-10-31 10:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-08/25/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-08/29/2025 |
Business cert.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5301877 | N/A | N/A | |||||
| 2255439 | XXXXXXX | XXXXXX | Closed | 2025-08-25 10:46 | 2025-08-29 09:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/25/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/29/2025 |
Business cert.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5301875 | N/A | N/A | |||||
| 2255439 | XXXXXXX | XXXXXX | Closed | 2025-08-25 10:46 | 2025-08-29 09:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/25/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/29/2025 |
Business cert.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5301876 | N/A | N/A | |||||
| 1400641 | XXXXXXX | XXXXXX | Closed | 2025-08-21 11:34 | 2025-08-27 12:38 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Exception requested for 8-day extension on credit before LQI required to accommodate closing. Credit Report expires XX/XX & Loan to close XX/XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 | Waived-Borrower 1 Gap Credit Report is Missing Exception requested for 8-day extension on credit before LQI required to accommodate closing. Credit Report expires XX/XX & Loan to close XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 |
*CLTV <5% below the Maximum Qualifying *DTI <5% below the Maximum Qualifying |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5268294 | Originator Pre-Close | Yes | |||||
| 2390484 | XXXXXXX | XXXXXX | Closed | 2025-08-13 18:05 | 2025-10-30 11:36 | Resolved | 1 - Information | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-. - Due Diligence Vendor-08/22/2025 Resolved-Audited Loan Amount of $XXXXXX is less than or equal to the Guideline Maximum Loan Amount of $1000000 - Due Diligence Vendor-08/22/2025 Ready for Review-This is Jumbo Loan, please check the XXXXXX Guideline section 4-1-14. - Buyer-08/19/2025 Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $500000 - Due Diligence Vendor-08/13/2025 |
Resolved-. - Due Diligence Vendor-08/22/2025 Resolved-Audited Loan Amount of $XXXXXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXXXXXXX - Due Diligence Vendor-08/22/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5170848 | N/A | N/A | ||||||
| 5959288 | XXXXXXX | XXXXXX | Closed | 2025-09-06 05:57 | 2025-09-30 11:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/30/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/06/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/30/2025 |
Bussiness Invoice and existence proof.pdf | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5438607 | N/A | N/A | |||||
| 7747267 | XXXXXXX | XXXXXX | Closed | 2025-08-13 07:07 | 2025-10-28 12:52 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-08/13/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 |
XXX statement.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5158198 | N/A | N/A | |||||
| 7747267 | XXXXXXX | XXXXXX | Closed | 2025-08-13 07:08 | 2025-08-20 11:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-XXX statement received. - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-08/13/2025 |
Resolved-XXX statement received. - Due Diligence Vendor-08/20/2025 |
XXX statement.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5158206 | N/A | N/A | |||||
| 7747267 | XXXXXXX | XXXXXX | Closed | 2025-08-13 06:55 | 2025-08-13 17:22 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 69.99% exceeds Guideline CLTV of 65% Guideline CLTV limit is 65% and Audit CLTV is 69.99%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/13/2025 |
Waived-Audited CLTV of 69.99% exceeds Guideline CLTV of 65% Guideline CLTV limit is 65% and Audit CLTV is 69.99%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/13/2025 |
1. Employment for an extended period at the same Job for 7 years 2 months. 2. 36+ Months 0*30 housing payment history 3. Minimal debts. |
AZ | Primary Residence | Refinance | Cash Out - Other | 5158095 | Originator Pre-Close | Yes | |||||
| 7747267 | XXXXXXX | XXXXXX | Closed | 2025-08-13 06:55 | 2025-08-13 06:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 69.99% exceeds Guideline HCLTV of 65% Guideline HLTV limit is 65% and Audit HLTV is 69.99%. However, Lender exception provided for HLTV exceed the guideline limit of 65%. - Due Diligence Vendor-08/13/2025 | Waived-Audited HLTV of 69.99% exceeds Guideline HCLTV of 65% Guideline HLTV limit is 65% and Audit HLTV is 69.99%. However, Lender exception provided for HLTV exceed the guideline limit of 65%. - Due Diligence Vendor-08/13/2025 |
Compensating factors are met 1. Employment for an extended period at the same Job for 7 years 2 months. 2. 36+ Months 0*30 housing payment history 3. Minimal debts. |
AZ | Primary Residence | Refinance | Cash Out - Other | 5158096 | Originator Pre-Close | Yes | |||||
| 5724685 | XXXXXXX | XXXXXX | Closed | 2025-08-20 09:21 | 2025-10-28 12:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Evidence to verify Housing history for subject property is Missing. - Due Diligence Vendor-08/20/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/29/2025 |
VOM.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5247471 | N/A | N/A | |||||
| 5724685 | XXXXXXX | XXXXXX | Closed | 2025-08-20 09:33 | 2025-08-29 09:23 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-Housing History Does Not Meet Guideline Requirements Guidelines require a 12-month housing history for all properties. Housing history for subject property not provided in file. - Due Diligence Vendor-08/20/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/29/2025 |
VOM.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5247753 | N/A | N/A | |||||
| 5967756 | XXXXXXX | XXXXXX | Closed | 2025-08-08 07:12 | 2025-08-19 07:33 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received E-Consent for both borrowers. Condition cleared. - Due Diligence Vendor-08/19/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/15/2025 Open-E-Consent documentation on TRID loan is missing for borrower(s). E-Consent is missing - Due Diligence Vendor-08/08/2025 |
Resolved-Received E-Consent for both borrowers. Condition cleared. - Due Diligence Vendor-08/19/2025 |
E-consent.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5107247 | N/A | N/A | |||||
| 9996065 | XXXXXXX | XXXXXX | Closed | 2025-08-20 07:10 | 2026-07-20 17:34 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Received Note. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-The Note is Present - Due Diligence Vendor-09/02/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/27/2025 Open-The Note is Missing for subject property. - Due Diligence Vendor-08/20/2025 |
Resolved-Received Note. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-The Note is Present - Due Diligence Vendor-09/02/2025 |
NOTE.pdf | CA | Investment | Refinance | Cash Out - Other | 5245236 | N/A | N/A | |||||
| 9996065 | XXXXXXX | XXXXXX | Closed | 2025-08-25 08:12 | 2025-09-02 10:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Received all missing documents. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/02/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/25/2025 |
Resolved-Received all missing documents. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/02/2025 |
CA | Investment | Refinance | Cash Out - Other | 5298143 | N/A | N/A | ||||||
| 9996065 | XXXXXXX | XXXXXX | Closed | 2025-08-25 07:32 | 2025-09-02 09:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application - Not Executed | Resolved-Received Final 1003. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/02/2025 Ready for Review-Document Uploaded. PFA - Seller-08/27/2025 Open-The Final 1003 is Not Executed - Due Diligence Vendor-08/25/2025 |
Ready for Review-Document Uploaded. PFA - Seller-08/27/2025 |
Resolved-Received Final 1003. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/02/2025 |
1003.pdf | CA | Investment | Refinance | Cash Out - Other | 5297567 | N/A | N/A | ||||
| 9996065 | XXXXXXX | XXXXXX | Closed | 2025-08-20 09:24 | 2025-09-02 09:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Received Condo Rider. Condition cleared. - Due Diligence Vendor-09/02/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/27/2025 Open-Condo Rider is Missing - Due Diligence Vendor-08/20/2025 |
Resolved-Received Condo Rider. Condition cleared. - Due Diligence Vendor-09/02/2025 |
Condo rider.pdf | CA | Investment | Refinance | Cash Out - Other | 5247542 | N/A | N/A | |||||
| 9996065 | XXXXXXX | XXXXXX | Closed | 2025-08-20 09:24 | 2025-09-02 09:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - 1-4 Family Rider | Resolved-Received 1-4 Rider. Condition cleared. - Due Diligence Vendor-09/02/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/27/2025 Open-1-4 Family Rider is Missing - Due Diligence Vendor-08/20/2025 |
Resolved-Received 1-4 Rider. Condition cleared. - Due Diligence Vendor-09/02/2025 |
1-4 Rider.pdf | CA | Investment | Refinance | Cash Out - Other | 5247540 | N/A | N/A | |||||
| 9996065 | XXXXXXX | XXXXXX | Closed | 2025-08-20 07:35 | 2025-09-02 09:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-Received DOT. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/02/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/27/2025 Open-The Deed of Trust is Missing - Due Diligence Vendor-08/25/2025 |
Resolved-Received DOT. Condition cleared. - Due Diligence Vendor-09/02/2025 Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/02/2025 |
DOT.pdf | CA | Investment | Refinance | Cash Out - Other | 5245553 | N/A | N/A | |||||
| 3458233 | XXXXXXX | XXXXXX | Closed | 2025-08-24 21:34 | 2025-09-10 07:59 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received mortgage statemetns. Condition cleared. - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-09/05/2025 Open-Required Documentation is Missing. Mortgage Statements for REO Property 3(b), REO Property 3(c) and REO Property 3(d) are missing. - Due Diligence Vendor-08/25/2025 |
Resolved-Received mortgage statemetns. Condition cleared. - Due Diligence Vendor-09/10/2025 |
Mortgage statements.pdf | IL | Investment | Refinance | Cash Out - Other | 5295359 | N/A | N/A | |||||
| 6933296 | XXXXXXX | XXXXXX | Closed | 2025-08-14 16:19 | 2025-08-20 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Buyer-08/18/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require VVOE dated within 10 business days of Note date. VVOE in file is dated 11 business days prior to Note date. - Due Diligence Vendor-08/14/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025 |
UT | Primary Residence | Refinance | Cash Out - Other | 5185161 | N/A | N/A | ||||||
| 6933296 | XXXXXXX | XXXXXX | Closed | 2025-08-14 16:19 | 2025-08-20 11:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Buyer-08/18/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-08/14/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-08/20/2025 |
UT | Primary Residence | Refinance | Cash Out - Other | 5185162 | N/A | N/A | ||||||
| 7526892 | XXXXXXX | XXXXXX | Closed | 2025-08-07 08:12 | 2025-10-28 12:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements As per GL, 0*30*12 or 1*30*24 Mortgage history requried for subject property - Due Diligence Vendor-08/07/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/20/2025 |
VOM.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5090124 | N/A | N/A | |||||
| 7526892 | XXXXXXX | XXXXXX | Closed | 2025-08-07 08:12 | 2025-08-20 10:59 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Housing History Does Not Meet Guideline Requirements As per GL, 0*30*6 & 1*30*24 Mortgage history requried for subject property. Requried supporting document to verify the Mortgage History - Due Diligence Vendor-08/07/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/20/2025 |
VOM.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5090123 | N/A | N/A | |||||
| 2007634 | XXXXXXX | XXXXXX | Closed | 2025-08-14 10:23 | 2025-10-28 13:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached payoff statement. - Buyer-08/18/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements missing payoff amount of judgement/lien - Due Diligence Vendor-08/14/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/20/2025 |
Payoff statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5177708 | N/A | N/A | |||||
| 2007634 | XXXXXXX | XXXXXX | Closed | 2025-08-14 10:21 | 2025-08-20 11:20 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Payoff statement received. - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached payoff statement. - Buyer-08/18/2025 Open-Missing evidence the Judgement/Lien has been fully satisfied at closing- Documentation in file reflect amount due of $XXXX final CD reflects payoff amount of $XXXX.XX - Due Diligence Vendor-08/14/2025 |
Resolved-Payoff statement received. - Due Diligence Vendor-08/20/2025 |
Payoff statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5177651 | N/A | N/A | |||||
| 6132382 | XXXXXXX | XXXXXX | Closed | 2025-09-09 12:50 | 2025-09-09 12:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. RESPA: Servicing Transfer Notice Missing - Due Diligence Vendor-09/09/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. RESPA: Servicing Transfer Notice Missing - Due Diligence Vendor-09/09/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5469925 | Investor Post-Close | No | ||||||
| 6482592 | XXXXXXX | XXXXXX | Closed | 2025-08-12 10:29 | 2025-10-28 13:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lease and 2 months receipt provided. Condition cleared. - Due Diligence Vendor-08/22/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/22/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/20/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Verification of Rent (VOR) Document is Missing for the borrower's primary residence. - Due Diligence Vendor-08/12/2025 |
Resolved-Lease and 2 months receipt provided. Condition cleared. - Due Diligence Vendor-08/22/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-08/22/2025 |
Lease agreement and 2 months copy of check.pdf | CA | Investment | Refinance | Cash Out - Other | 5146413 | N/A | N/A | |||||
| 6482592 | XXXXXXX | XXXXXX | Closed | 2025-08-12 10:28 | 2025-08-22 09:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lease and 2 months receipt provided. Condition cleared. - Due Diligence Vendor-08/22/2025 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/22/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/20/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) Document is Missing for the borrower's primary residence. - Due Diligence Vendor-08/12/2025 |
Resolved-Lease and 2 months receipt provided. Condition cleared. - Due Diligence Vendor-08/22/2025 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/22/2025 |
Lease agreement and 2 months copy of check.pdf | CA | Investment | Refinance | Cash Out - Other | 5146401 | N/A | N/A | |||||
| 5628378 | XXXXXXX | XXXXXX | Closed | 2025-09-03 14:41 | 2025-09-06 12:26 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Received second AVM. Condition cleared. - Due Diligence Vendor-09/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/04/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. Per guidelines, for loan amounts between $XXX,XXX to $XXX,XXX, the following is required: CLTV less than or equal to 75%, Two AVMs are obtained, AVM used for Subject Property must have an FSD less than or equal to 0.10. There is only one AVM in file. Second AVM is missing. - Due Diligence Vendor-09/03/2025 |
Resolved-Received second AVM. Condition cleared. - Due Diligence Vendor-09/06/2025 |
AVM 1.pdf AVM 2.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5400371 | N/A | N/A | |||||
| 6103285 | XXXXXXX | XXXXXX | Closed | 2025-08-21 12:21 | 2025-08-28 08:11 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline states Credit report Should be dated no longer than 45 days. Provided Credit report is Greater than 45 days from date of Note. Gap Credit report is missing. Hence, exception provided for the same. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline states Credit report Should be dated no longer than 45 days. Provided Credit report is Greater than 45 days from date of Note. Gap Credit report is missing. Hence, exception provided for the same. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 |
Compensating Factors Verified CLTV 15% or more under requirement (requirement met) FICO 10 Points above requirements (requirement met) 36+ months 0*30 housing history payment (requirement met) |
CA | Primary Residence | Refinance | Cash Out - Other | 5269343 | Originator Pre-Close | Yes | |||||
| 6103285 | XXXXXXX | XXXXXX | Closed | 2025-08-21 12:21 | 2025-08-28 08:11 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender Guideline states Credit report should be dated no longer than 45 days. Provided Credit report is greater than 45 days from date of Note. Gap Credit report is missing. Hence, exception provided for the same. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender Guideline states Credit report should be dated no longer than 45 days. Provided Credit report is greater than 45 days from date of Note. Gap Credit report is missing. Hence, exception provided for the same. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 |
Compensating Factors Verified CLTV 15% or more under requirement (requirement met) FICO 10 Points above requirements (requirement met) 36+ months 0*30 housing history payment (requirement met) |
CA | Primary Residence | Refinance | Cash Out - Other | 5269344 | Originator Pre-Close | Yes | |||||
| 2964063 | XXXXXXX | XXXXXX | Closed | 2025-09-05 15:56 | 2025-10-24 13:47 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception received for aged credit report. - Due Diligence Vendor-10/24/2025 Waived-Exception received for aged credit report. - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-Borrower 1 Gap Credit Report is Missing Credit Report in file is dated more than 45 days prior to Note date. A Credit Refresh (LQI) is necessary in this case and is missing from loan file. - Due Diligence Vendor-09/05/2025 |
CLTV 5% below max DTI 5% below max Employment for extended period. - 09/16/2025 |
Waived-Exception received for aged credit report. - Due Diligence Vendor-10/24/2025 Waived-Exception received for aged credit report. - Due Diligence Vendor-09/16/2025 |
Exception Form.pdf | CLTV 5% below max DTI 5% below max Employment for extended period. |
MI | Investment | Refinance | Cash Out - Other | 5435264 | Originator Post-Close | No | |||
| 2964063 | XXXXXXX | XXXXXX | Closed | 2025-08-24 14:23 | 2025-09-05 16:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $50000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/24/2025 | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $50000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/24/2025 |
DTI <5% below the Maximum Qualifying. Employment for an extended period at the same job. Minimal debts / Revolving accounts. |
MI | Investment | Refinance | Cash Out - Other | 5294891 | Originator Pre-Close | Yes | |||||
| 9832911 | XXXXXXX | XXXXXX | Closed | 2025-09-08 10:14 | 2025-10-28 13:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Credit report is showing DLA for XXXXX XXXXXXX/XXXXXX XXXXXXX as XX/XX and XX/XX which is very old and also, it is showing as paid collection. Additionally, as per documents available in loan file, there is no indication of borrower is paying any XXXXXX XXXXXXX/XXXXXXX. - Seller-09/09/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report contains evidence that the borrower may have additional XXXXXX XXXXXXX or XXXXXXX debt obligations. Provide copy of Divorce Decree, Separate Maintenance Agreement and any other court related documents to confirm whether additional debts should be included in the DTI. - Due Diligence Vendor-09/08/2025 |
Ready for Review-Credit report is showing DLA for XXXXXX XXXXXXX/XXXXXX XXXXXXX as XX/XX/XXXX and XX/XX/XXXX which is very old and also, it is showing as paid collection. Additionally, as per documents available in loan file, there is no indication of borrower is paying any XXXXXX XXXXXXX/XXXXXXX. - Seller-09/09/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 |
NJ | Primary Residence | Refinance | Cash Out - Other | 5448642 | N/A | N/A | |||||
| 9832911 | XXXXXXX | XXXXXX | Closed | 2025-09-08 10:45 | 2025-10-28 13:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements A credit refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. The credit report dated XX/XX/XXXX is 50 days prior to consummation. The file contains an approved exception dated XX/XX/XXXX wherein the exception details and compensating factors are not completed. - Due Diligence Vendor-09/08/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/15/2025 |
Exception Form.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 5450079 | N/A | N/A | |||||
| 9832911 | XXXXXXX | XXXXXX | Closed | 2025-09-08 10:42 | 2025-10-24 13:52 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception form received. - Due Diligence Vendor-10/24/2025 Waived-Exception form received. - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-Borrower 1 Gap Credit Report is Missing A credit refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. The credit report dated XX/XX/XXXX is 50 days prior to consummation. The file contains an approved exception dated XX/XX/XXXX wherein the exception details and compensating factors are not completed. - Due Diligence Vendor-09/08/2025 |
Waived-Exception form received. - Due Diligence Vendor-10/24/2025 Waived-Exception form received. - Due Diligence Vendor-09/15/2025 |
Exception Form.pdf | CLTV 5% below max qualifying DTI 5% below max qualifying |
NJ | Primary Residence | Refinance | Cash Out - Other | 5449497 | Originator Pre-Close | Yes | ||||
| 9832911 | XXXXXXX | XXXXXX | Closed | 2025-09-08 10:12 | 2025-09-15 08:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing XXXXXXX/XXXXXX XXXXXXX Documentation | Resolved-Accounts were opened >18 years ago and reflect as paid. Children would have aged out by application date. - Due Diligence Vendor-09/15/2025 Ready for Review-Credit report is showing DLA for XXXXX XXXXXXX/XXXXXX XXXXXXX as XX/XX and XX/XXXX which is very old and also, it is showing as paid collection. Additionally, as per documents available in loan file, there is no indication of borrower is paying any XXXXXX XXXXXXX/XXXXXXX. - Seller-09/09/2025 Open-Missing verification of the amount of XXXXXXX/XXXXX XXXXXXX. Credit report contains evidence that the borrower may have additional XXXXX XXXXXXX or XXXXXXX debt obligations. Provide copy of Divorce Decree, Separate Maintenance Agreement and any other court related documents to confirm whether additional debts should be included in the DTI. - Due Diligence Vendor-09/08/2025 |
Ready for Review-Credit report is showing DLA for XXXXXX XXXXXXX/XXXXXX XXXXXXX as XX/XX/XXXX and XX/XX/XXXX which is very old and also, it is showing as paid collection. Additionally, as per documents available in loan file, there is no indication of borrower is paying any XXXXXX XXXXXXX/XXXXXXX. - Seller-09/09/2025 |
Resolved-Accounts were opened >18 years ago and reflect as paid. Children would have aged out by application date. - Due Diligence Vendor-09/15/2025 |
NJ | Primary Residence | Refinance | Cash Out - Other | 5448583 | N/A | N/A | |||||
| 2271458 | XXXXXXX | XXXXXX | Closed | 2025-08-22 10:32 | 2025-09-03 13:39 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received initial LE. Condition cleared. - Due Diligence Vendor-09/03/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/28/2025 Open-As per Disclosure Tracking #178 Initial LE sent on XX/XX/XXXX which is Missing in Loan File. - Due Diligence Vendor-08/22/2025 |
Resolved-Received initial LE. Condition cleared. - Due Diligence Vendor-09/03/2025 |
LE1.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 5282866 | N/A | N/A | |||||
| 2271458 | XXXXXXX | XXXXXX | Closed | 2025-08-22 05:27 | 2025-08-27 14:58 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Exception provided for Credit Report to be extended for 10 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/22/2025 | Waived-Borrower 1 Gap Credit Report is Missing Exception provided for Credit Report to be extended for 10 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/22/2025 |
Employment for an extended period at the same job 36+ Months 0x30 housing payment history |
GA | Primary Residence | Refinance | Cash Out - Other | 5277565 | Originator Pre-Close | Yes | |||||
| 9975119 | XXXXXXX | XXXXXX | Closed | 2025-10-03 09:22 | 2026-05-12 08:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Lender provided verification of self-employment dated post close. Condition cleared. - Due Diligence Vendor-10/31/2025 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/24/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/03/2025 |
Resolved-Lender provided verification of self-employment dated post close. Condition cleared. - Due Diligence Vendor-10/31/2025 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/31/2025 |
Business Search.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5765214 | N/A | N/A | |||||
| 9975119 | XXXXXXX | XXXXXX | Closed | 2025-10-03 09:55 | 2025-10-31 10:25 | Cured | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Self Employment - Borrower 1 | Cured-. - Due Diligence Vendor-10/31/2025 Cured-Lender provided verification of self-employment dated post close. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/24/2025 Open-Borrower 1 is self-employed and is missing verification of self-employment dated within 60 days prior to the Note date. - Due Diligence Vendor-10/03/2025 |
Cured-. - Due Diligence Vendor-10/31/2025 Cured-Lender provided verification of self-employment dated post close. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2025 |
Business Search.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5765973 | N/A | N/A | |||||
| 9209890 | XXXXXXX | XXXXXX | Closed | 2025-09-02 11:24 | 2025-09-02 11:24 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Title and fraud reports located in the loan file reflect a same lender refinance. SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-09/02/2025 |
Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Title and fraud reports located in the loan file reflect a same lender refinance. SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-09/02/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5380733 | Investor Post-Close | No | ||||||
| 4461381 | XXXXXXX | XXXXXX | Closed | 2025-08-15 16:58 | 2025-08-22 07:45 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-. - Due Diligence Vendor-08/22/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-08/22/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/19/2025 Open-Appraisal or other primary valuation product is missing Guidelines require, at minimum, an AVM to be provided to document property value. Additional conditions may apply. - Due Diligence Vendor-08/18/2025 |
Resolved-. - Due Diligence Vendor-08/22/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-08/22/2025 |
AVM.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 5200337 | N/A | N/A | |||||
| 3551821 | XXXXXXX | XXXXXX | Closed | 2025-09-23 12:09 | 2026-01-07 11:06 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-09/23/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/06/2025 |
New account Statement - USB.pdf Proof of debt paid by other.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 5637443 | N/A | N/A | |||||
| 3551821 | XXXXXXX | XXXXXX | Closed | 2025-09-23 12:41 | 2025-10-06 13:48 | Resolved | 1 - Information | Credit | Borrower | Missing required documentation for debt paid by others | Resolved-Documentation received. - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Liability 1 on credit liabilities page is excluded from DTI. No supporting documentation in file to support that it is paid by others. Guidelines require the most recent 12 months of cancelled checks or bank statements. - Due Diligence Vendor-09/23/2025 |
Resolved-Documentation received. - Due Diligence Vendor-10/06/2025 |
Proof of debt paid by other.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5638122 | N/A | N/A | |||||
| 3551821 | XXXXXXX | XXXXXX | Closed | 2025-09-23 12:37 | 2025-10-06 13:48 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation received. - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-Required documentation missing for liability 13 listed on Credit Liabilities page. Liability listed on Final 1003, but it is not documented in loan file and does not appear on credit report. - Due Diligence Vendor-09/23/2025 |
Resolved-Documentation received. - Due Diligence Vendor-10/06/2025 |
New account Statement - USB.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5638031 | N/A | N/A | |||||
| 9831631 | XXXXXXX | XXXXXX | Closed | 2025-08-22 15:47 | 2025-08-22 15:47 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) The subject loan transaction paid off an existing lien opened XX/XXXX for $XXX,XXX. The Lender for the subject transaction was also the Lender on the loan being paid off. NORTC model H8 was used and NORTC model H9 should have been used. SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-08/22/2025 | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) The subject loan transaction paid off an existing lien opened XX/XXXX for $XXX,XXX. The Lender for the subject transaction was also the Lender on the loan being paid off. NORTC model H8 was used and NORTC model H9 should have been used. SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-08/22/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 5289401 | Investor Post-Close | No | ||||||
| 3824213 | XXXXXXX | XXXXXX | Closed | 2025-08-13 16:36 | 2025-08-20 09:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Buyer-08/18/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing. Guidelines require verbal VOE within 10 business days of closing. VVOE in file is 11 business days prior to closing. - Due Diligence Vendor-08/13/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/20/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5169529 | N/A | N/A | ||||||
| 3824213 | XXXXXXX | XXXXXX | Closed | 2025-08-13 16:36 | 2025-08-20 09:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/20/2025 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Seller-08/18/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing. Guidelines require verbal VOE within 10 business days of closing. VVOE in file is 11 business days prior to closing. - Due Diligence Vendor-08/13/2025 |
Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Seller-08/18/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/20/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5169530 | N/A | N/A | |||||
| 3824213 | XXXXXXX | XXXXXX | Closed | 2025-08-13 16:36 | 2025-08-20 09:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Seller-08/18/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-08/13/2025 |
Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX available in file is valid till XX/XX/XXXX. Hence, VOE is within 10 business days of closing. - Seller-08/18/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-08/20/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5169531 | N/A | N/A | |||||
| 3824213 | XXXXXXX | XXXXXX | Closed | 2025-08-11 07:54 | 2025-08-20 09:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-XXX statement received. - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached XXX statement. - Seller-08/18/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-08/11/2025 |
Ready for Review-Document Uploaded. Please find the attached XXX statement. - Seller-08/18/2025 |
Resolved-XXX statement received. - Due Diligence Vendor-08/20/2025 |
XXX statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5128258 | N/A | N/A | ||||
| 3824213 | XXXXXXX | XXXXXX | Closed | 2025-08-11 07:52 | 2025-08-20 09:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached XXX statement. - Seller-08/18/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/11/2025 |
Ready for Review-Document Uploaded. Please find the attached XXX statement. - Seller-08/18/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 |
XXX statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5128243 | N/A | N/A | ||||
| 2558425 | XXXXXXX | XXXXXX | Closed | 2025-08-13 13:34 | 2025-08-19 07:25 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received E-Consent. Condition cleared. - Due Diligence Vendor-08/19/2025 Ready for Review-Document Uploaded. PFA - Buyer-08/15/2025 Open-E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-08/13/2025 |
Resolved-Received E-Consent. Condition cleared. - Due Diligence Vendor-08/19/2025 |
E-consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5166118 | N/A | N/A | |||||
| 8613697 | XXXXXXX | XXXXXX | Closed | 2025-08-31 14:08 | 2025-09-20 07:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Required documentation provided. - Due Diligence Vendor-09/20/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/18/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Business tax Returns with all schedules and pages (1120-S) for business (1b) per 1003 for year XXXX & XXXX and Business tax Returns (1065) with all schedules and pages for business (1c) per 1003 for year XXXX - Due Diligence Vendor-08/31/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/18/2025 |
Resolved-Required documentation provided. - Due Diligence Vendor-09/20/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/20/2025 |
Business Tax Returns.pdf | AZ | Investment | Refinance | Cash Out - Other | 5372410 | N/A | N/A | ||||
| 8613697 | XXXXXXX | XXXXXX | Closed | 2025-08-30 09:27 | 2025-09-20 07:15 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Required documentation provided. - Due Diligence Vendor-09/20/2025 Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Borrower 1 Business Tax Returns Missing Missing Business tax Returns with all schedules and pages (1120-S) for business (1b) per 1003 for year XXXX & XXXX and Business tax Returns (1065) with all schedules and pages for business (1c) per 1003 for year XXXX - Due Diligence Vendor-08/30/2025 |
Resolved-Required documentation provided. - Due Diligence Vendor-09/20/2025 Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-09/20/2025 |
Business Tax Returns.pdf | AZ | Investment | Refinance | Cash Out - Other | 5370323 | N/A | N/A | |||||
| 8613697 | XXXXXXX | XXXXXX | Closed | 2025-08-30 13:44 | 2025-09-20 07:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Excessive Inquiries) | Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Missing LOE for Excessive Inquiries GL section 4-2-4-14 requires Inquiry letter addressing all inquiries in the most recent 90 days however file is missing with inquiry letter addressing inquiry dated XX/XX/XXXX - Due Diligence Vendor-08/30/2025 |
Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 |
LOE inquiry.pdf | AZ | Investment | Refinance | Cash Out - Other | 5370871 | N/A | N/A | |||||
| 8613697 | XXXXXXX | XXXXXX | Closed | 2025-08-30 13:19 | 2025-09-16 09:55 | Waived | 2 - Non-Material | Credit | Insurance | Hazard Insurance Shortfall | Waived-As per GL section 4-3-1, Property insurance must cover greater of total proposed liens up to where Lender's loan detaches or 80% of the property value. Provided HOI policy reflects dwelling amount less than 80% of property value. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/30/2025 | Waived-As per GL section 4-3-1, Property insurance must cover greater of total proposed liens up to where Lender's loan detaches or 80% of the property value. Provided HOI policy reflects dwelling amount less than 80% of property value. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/30/2025 |
CLTV <5% below the Maximum Qualifying Employment for an extended period at the same job 36+ Months 0x30 housing payment history |
AZ | Investment | Refinance | Cash Out - Other | 5370811 | Originator Pre-Close | Yes | |||||
| 8613697 | XXXXXXX | XXXXXX | Closed | 2025-08-30 11:12 | 2025-09-16 09:53 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing As per GL section 4-2-4-17, Credit Refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. Credit report provided in file is dated XX/XX/XXXX and is 60 days older than note date of XX/XX/XXXX. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/30/2025 | Waived-Borrower 1 Gap Credit Report is Missing As per GL section 4-2-4-17, Credit Refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. Credit report provided in file is dated XX/XX/XXXX and is 60 days older than note date of XX/XX/XXXX. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/30/2025 |
CLTV <5% below the Maximum Qualifying Employment for an extended period at the same job 36+ Months 0x30 housing payment history |
AZ | Investment | Refinance | Cash Out - Other | 5370569 | Originator Pre-Close | Yes | |||||
| 8613697 | XXXXXXX | XXXXXX | Closed | 2025-08-30 11:17 | 2025-09-16 09:52 | Waived | 2 - Non-Material | Credit | Borrower | Missing required documentation for debt paid by others | Waived-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. As per GL section 4-2-7-1, the most recent 12 months of canceled checks (or bank statements) must be obtained from the other party making the payments that document a 12-month payment history with no delinquent payments however liability paid by business does not complete 12 months of payment history as 1st payment for loan was on XX/XXXX. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/30/2025 | Waived-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. As per GL section 4-2-7-1, the most recent 12 months of canceled checks (or bank statements) must be obtained from the other party making the payments that document a 12-month payment history with no delinquent payments however liability paid by business does not complete 12 months of payment history as 1st payment for loan was on XX/XXXX. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/30/2025 |
CLTV <5% below the Maximum Qualifying Employment for an extended period at the same job 36+ Months 0x30 housing payment history |
AZ | Investment | Refinance | Cash Out - Other | 5370582 | Originator Pre-Close | Yes | |||||
| 3922488 | XXXXXXX | XXXXXX | Closed | 2025-08-23 10:25 | 2025-08-23 10:25 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5292687 | Investor Post-Close | No | ||||||
| 7657264 | XXXXXXX | XXXXXX | Closed | 2025-08-29 17:58 | 2025-09-20 07:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Excessive Inquiries) | Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Missing LOE for Excessive Inquiries GL section 4-2-4-14 requires Inquiry letter addressing all inquiries in the most recent 90 days of credit report date however file is missing with inquiry letter addressing inquiry dated 04/26/2025 - Due Diligence Vendor-08/29/2025 |
Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/20/2025 |
LOE inquiry.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5368936 | N/A | N/A | |||||
| 7657264 | XXXXXXX | XXXXXX | Closed | 2025-08-29 16:46 | 2025-09-16 13:46 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing As per GL section 4-2-4-17, Credit Refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. Credit report provided in file is dated XX/XX/XXXX and is 47 days older than note date of XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/29/2025 | Waived-Borrower 1 Gap Credit Report is Missing As per GL section 4-2-4-17, Credit Refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. Credit report provided in file is dated XX/XX/XXXX and is 47 days older than note date of XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/29/2025 |
Employment for an extended period at the same job. Credit Score >/= 10+ Points more than qualifying. |
FL | Primary Residence | Refinance | Cash Out - Other | 5368357 | Originator Pre-Close | Yes | |||||
| 6831965 | XXXXXXX | XXXXXX | Closed | 2025-08-11 14:03 | 2025-08-20 11:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements HOI is missing for subject property - Due Diligence Vendor-08/11/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 |
HOI Policy.pdf | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5135841 | N/A | N/A | |||||
| 6831965 | XXXXXXX | XXXXXX | Closed | 2025-08-11 13:59 | 2025-08-20 11:04 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/11/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/20/2025 |
HOI Policy.pdf | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5135769 | N/A | N/A | |||||
| 7228619 | XXXXXXX | XXXXXX | Closed | 2025-08-29 15:44 | 2025-09-20 07:22 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Missing Flood Insurance Policy Property is under Flood zone, missing Flood Insurance Policy, - Due Diligence Vendor-08/29/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 |
Flood Insurance Policy.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5367617 | N/A | N/A | |||||
| 7228619 | XXXXXXX | XXXXXX | Closed | 2025-08-29 16:08 | 2025-08-29 16:08 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 47.8% exceeds Guideline DTI of 43%, lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/29/2025 | Waived-Audited DTI of 47.8% exceeds Guideline DTI of 43%, lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/29/2025 |
1. 36+ Months 0x30 housing payment history 2. Minimal Debts |
FL | Primary Residence | Refinance | Cash Out - Other | 5367960 | Originator Pre-Close | Yes | |||||
| 7720123 | XXXXXXX | XXXXXX | Closed | 2025-08-13 12:05 | 2026-05-14 07:08 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Received lender exception dated prior to closing with valid compensating factors to allow use of ADU income. Finding will be deemed non-material. Condition waived. - Due Diligence Vendor-05/14/2026 Waived-Received lender exception dated prior to closing with valid compensating factors to allow use of ADU income. Finding will be deemed non-material. Condition waived. - Due Diligence Vendor-08/18/2025 Resolved-Audited DTI of 49.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/18/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-08/14/2025 Open-Audited DTI of 57.25% exceeds Guideline DTI of 50%. Audit did not use rental income for ADU as it is only acceptable for HomeReady loans per FNMA servicing guide. Lender exception to use rental income referenced on 1008, but it is missing from loan file. - Due Diligence Vendor-08/13/2025 |
Waived-Received lender exception dated prior to closing with valid compensating factors to allow use of ADU income. Finding will be deemed non-material. Condition waived. - Due Diligence Vendor-05/14/2026 Waived-Received lender exception dated prior to closing with valid compensating factors to allow use of ADU income. Finding will be deemed non-material. Condition waived. - Due Diligence Vendor-08/18/2025 Resolved-Audited DTI of 49.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/18/2025 |
Exception Form.pdf | CLTV <5% below the maximum qualifying Credit score >/= 10+ points more than qualifying |
CA | Primary Residence | Refinance | Cash Out - Other | 5164183 | Originator Pre-Close | Yes | ||||
| 7720123 | XXXXXXX | XXXXXX | Closed | 2025-08-13 11:38 | 2025-08-18 12:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received lender exception to allow use of ADU income. Condition cleared. - Due Diligence Vendor-08/18/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/18/2025 Ready for Review-Document Uploaded. - Buyer-08/18/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-08/13/2025 |
Resolved-Received lender exception to allow use of ADU income. Condition cleared. - Due Diligence Vendor-08/18/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/18/2025 |
Exception Form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5163734 | N/A | N/A | |||||
| 7720123 | XXXXXXX | XXXXXX | Closed | 2025-08-13 11:54 | 2025-08-18 12:16 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Received PDI evidence no damage. Condition cleared. - Due Diligence Vendor-08/18/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-08/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-08/18/2025 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-08/13/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-08/18/2025 |
Resolved-Received PDI evidence no damage. Condition cleared. - Due Diligence Vendor-08/18/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-08/18/2025 |
PCI Report.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5164021 | N/A | N/A | ||||
| 4047313 | XXXXXXX | XXXXXX | Closed | 2025-09-02 13:40 | 2025-09-15 08:58 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing As per GL credit report should be provided with in 45 Days VS Current credit report is 48 days Old. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/02/2025 | Waived-Borrower 1 Gap Credit Report is Missing As per GL credit report should be provided with in 45 Days VS Current credit report is 48 days Old. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/02/2025 |
1) DTI <5% below the Maximum Qualifying 2) Employment for an extended period at the same job |
NJ | Primary Residence | Refinance | Cash Out - Other | 5383052 | Originator Pre-Close | Yes | |||||
| 2391122 | XXXXXXX | XXXXXX | Closed | 2025-11-08 17:52 | 2025-12-04 17:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received closure letter. Condition cleared. - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. PFA Freeze letter - Buyer-12/03/2025 Counter-Title report and second lien documents confirming 1st and 2nd mortgages encumbering primary residence received. Please provide missing closure letter for paid off 2nd lien. Condition remains. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Here is the bifurcation for Primary property XXXXX XXXXXXXX XXX - PFA All 3 Mortgages documents , XXXXXXX is duplicate document hence excluded & Heloc payoff & freeze letter; Also attached title report for Primary property XXXXX XXXXXXXXX XXX 1st lien from XX/XXX/XXX #XXXXXXXXX 2nd lien from XX/XXX/XXX #XXXXXXXXXX getting paid off in loan #XXXXXXXXX 3rd lien from XXXXXXX Excluded as duplicate for XX/XXX/XXX # XXXXXXXXXX 4th lien new XXXXXX Loan #XXXXXXXXX - Buyer-11/26/2025 Open-The final 1003 reflects 4 liens on the Primary. Provide the P&I for the 2nd lien listed and confirm the P&I listed on the 1003 for the 3rd lien. Additionally, provide the P&I for the new loan that paid the 4th lien off and the closure letter. Additional conditions may apply. - Due Diligence Vendor-11/08/2025 |
Resolved-Received closure letter. Condition cleared. - Due Diligence Vendor-12/04/2025 |
XXXXXXX XXXXXXX- getting paid off on loan XXXXXXX.pdf XXXXXXX XXXXXXX - getting paid off on loan XXXXXXX.pdf Note, DOT, first payment letter and final CD for XXXXXX new loan XXXXXXX.pdf Title report XXXXX XXXXXXX XXX.pdf XXXXXXX Duplicate to Heloc.pdf XXXXXXX Duplicate to Heloc.pdf Freeze letter.pdf |
CA | Investment | Refinance | Cash Out - Other | 6184646 | N/A | N/A | |||||
| 2391122 | XXXXXXX | XXXXXX | Closed | 2025-11-08 17:51 | 2025-12-01 09:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Here is the bifurcation for Primary property XXXXX XXXXXXXX XXX - PFA All 3 Mortgages documents , XXXXXXX is duplicate document hence excluded & Heloc payoff & freeze letter; Also attached title report for Primary property XXXXX XXXXXXXXX XXX 1st lien from XX/XXX/XXX #XXXXXXXXX 2nd lien from XX/XXX/XXX # XXXXXXXXX getting paid off in loan #XXXXXXXXX 3rd lien from XXXXXXX Excluded as duplicate for XX/XXX/XXX # XXXXXXXXXXX 4th lien new XXXXXX Loan # XXXXXXXXX - Buyer-11/26/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The final 1003 reflects 4 liens on the Primary. Provide the P&I for the 2nd lien listed and confirm the P&I listed on the 1003 for the 3rd lien. Additionally, provide the P&I for the new loan that paid the 4th lien off and the closure letter. Additional conditions may apply. - Due Diligence Vendor-11/08/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 |
XXXXXXX XXXXXXX- getting paid off on loan XXXXXXX.pdf XXXXXXX XXXXXXX - getting paid off on loan XXXXXXX.pdf Note, DOT, first payment letter and final CD for XXXXXX new loan XXXXXXX.pdf Title report XXXXX XXXXXXX XXX.pdf XXXXXXX Duplicate to Heloc.pdf XXXXXXX Duplicate to Heloc.pdf Freeze letter.pdf |
CA | Investment | Refinance | Cash Out - Other | 6184642 | N/A | N/A | |||||
| 2391122 | XXXXXXX | XXXXXX | Closed | 2025-11-08 17:51 | 2025-11-08 17:51 | Waived | 2 - Non-Material | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). As per GL section 4-1-5, Credit report must be dated within 120 days of the note date however provided credit report is 123 days prior to note date. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-11/08/2025 | Waived-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). As per GL section 4-1-5, Credit report must be dated within 120 days of the note date however provided credit report is 123 days prior to note date. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-11/08/2025 |
CLTV <5% below the Maximum Qualifying Employment for an extended period at the same job Credit Score >1= 10+ Points more than qualifying |
CA | Investment | Refinance | Cash Out - Other | 6184641 | Originator Pre-Close | Yes | |||||
| 3108854 | XXXXXXX | XXXXXX | Closed | 2025-09-05 10:30 | 2026-02-20 10:14 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.8% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 Ready for Review-I deducted the paypal transfer in question. However, upon further review, the $XXX initially deducted in XX/XXXX and XX/XXXX was added back. These are merchant services deposits that are income related. These are credit card payments to the business account. Income updated accordingly DTI 42.79 - Buyer-02/19/2026 Counter-The XX/XXXX figure changed by $XXXX from the 1st income calc worksheet to the updated doc. It appears that an online transfer was previously excluded. Provide verification and LOX to support including the transfer of funds. - Due Diligence Vendor-12/15/2025 Ready for Review-There are no transfer deposits on the XX/XXXX statement? These deposits are consistent with the rest of the income on all other bank statements. Transfers, like the one on [redacted]- are backed out. - Buyer-12/09/2025 Counter-Post close recalculation of income includes online transfer as income. - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Seller-11/04/2025 Counter-Guidelines require "most recent available months". Recalculated income documentation does not utilize the most recent available months. - Due Diligence Vendor-10/21/2025 Ready for Review-Document Uploaded. - Seller-10/17/2025 Ready for Review-Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Buyer-10/17/2025 Open-Audited DTI of 43.02% exceeds Guideline DTI of 43%. Bank Statement Income max DTI is 43% per guidelines. Monthly XXX payment is higher than what Originator used based on documents in the loan file. - Due Diligence Vendor-09/05/2025 |
Ready for Review-Document Uploaded. Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Seller-11/04/2025 Ready for Review-Document Uploaded. - Seller-10/17/2025 |
Resolved-Audited DTI of 42.8% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 |
1008.pdf 1008.pdf 1003.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 5428640 | N/A | N/A | ||||
| 3108854 | XXXXXXX | XXXXXX | Closed | 2025-09-05 10:41 | 2026-02-20 10:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/20/2026 Ready for Review-I deducted the paypal transfer in question. However, upon further review, the $XXX initially deducted in XX/XXXX and XX/XXXXwas added back. These are merchant services deposits that are income related. These are credit card payments to the business account. Income updated accordingly DTI 42.79 - Buyer-02/19/2026 Counter-The XX/XXXX figure changed by $XXXX from the 1st income calc worksheet to the updated doc. It appears that an online transfer was previously excluded. Provide verification and LOX to support including the transfer of funds. - Due Diligence Vendor-12/15/2025 Ready for Review-There are no transfer deposits on the XX/XXXX statement? These deposits are consistent with the rest of the income on all other bank statements. Transfers, like the one on [redacted]- are backed out. - Buyer-12/09/2025 Counter-Post close recalculation of income includes online transfer as income. - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Seller-11/04/2025 Counter-Guidelines require "most recent available months". Recalculated income documentation does not utilize the most recent available months. - Due Diligence Vendor-10/21/2025 Ready for Review-Document Uploaded. Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Seller-10/17/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-09/05/2025 |
Ready for Review-Document Uploaded. Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Seller-11/04/2025 Ready for Review-Document Uploaded. Income has been re-calculated. Please find the attached income calculation worksheet, revised 1003 & 1008. - Seller-10/17/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/20/2026 |
Income worksheet..pdf Income worksheet..pdf 1003.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 5428816 | N/A | N/A | ||||
| 3108854 | XXXXXXX | XXXXXX | Closed | 2025-09-05 10:31 | 2025-09-10 10:50 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received business narrative. Condition cleared. - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/08/2025 Open-Guidelines require Business Narrative for Bank Statment income loans. Business Narrative is missing from loan file. - Due Diligence Vendor-09/05/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/08/2025 |
Resolved-Received business narrative. Condition cleared. - Due Diligence Vendor-09/10/2025 |
Business Narrative.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 5428652 | N/A | N/A | ||||
| 3108854 | XXXXXXX | XXXXXX | Closed | 2025-09-05 10:32 | 2025-09-10 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Received condo questionnaire. Condition cleared. - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/08/2025 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-09/05/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/08/2025 |
Resolved-Received condo questionnaire. Condition cleared. - Due Diligence Vendor-09/10/2025 |
Condo Questionnaire.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 5428656 | N/A | N/A | ||||
| 6736043 | XXXXXXX | XXXXXX | Closed | 2025-08-08 15:15 | 2025-10-28 13:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached XXX statement. - Buyer-08/18/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/08/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-08/20/2025 |
XXX statement.pdf | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5117642 | N/A | N/A | |||||
| 6736043 | XXXXXXX | XXXXXX | Closed | 2025-08-08 14:50 | 2025-08-22 10:03 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-. - Due Diligence Vendor-08/22/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-08/22/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/20/2025 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-08/08/2025 |
Resolved-. - Due Diligence Vendor-08/22/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-08/22/2025 |
PCI Report.pdf | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5117206 | N/A | N/A | |||||
| 6736043 | XXXXXXX | XXXXXX | Closed | 2025-08-08 15:15 | 2025-08-20 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-XXX statement received. - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached XXX statement. - Buyer-08/18/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-08/08/2025 |
Resolved-XXX statement received. - Due Diligence Vendor-08/20/2025 |
XXX statement.pdf | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5117631 | N/A | N/A | |||||
| 6276238 | XXXXXXX | XXXXXX | Closed | 2025-09-02 07:30 | 2025-09-06 10:01 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-A review of Title confirms the subject property type is single family residence. Condition resolved. - Due Diligence Vendor-09/06/2025 Ready for Review-Having recurring XXX doesn't necessarily means property is PUD. We have identified the property as SFR. Please waive the condition. - Buyer-09/03/2025 Open-Missing Mortgage Riders – PUD Rider File contains evidence that subject is located in a PUD with a recurring XXX fee. - Due Diligence Vendor-09/02/2025 |
Resolved-A review of Title confirms the subject property type is single family residence. Condition resolved. - Due Diligence Vendor-09/06/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 5376389 | N/A | N/A | ||||||
| 8792607 | XXXXXXX | XXXXXX | Closed | 2025-09-15 13:57 | 2025-09-17 10:08 | Resolved | 1 - Information | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. PFA - Buyer-09/16/2025 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-Borrowing spouse did not fully execute Right of Rescission Form. - Due Diligence Vendor-09/15/2025 |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-09/17/2025 |
NRTC.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5541707 | N/A | N/A | |||||
| 8792607 | XXXXXXX | XXXXXX | Closed | 2025-09-15 14:01 | 2025-09-17 10:07 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Executed PUD rider received. - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. PFA - Buyer-09/16/2025 Open-Non-Borrowing spouse did not fully execute PUD Rider. - Due Diligence Vendor-09/15/2025 |
Resolved-Executed PUD rider received. - Due Diligence Vendor-09/17/2025 |
PUD.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5541803 | N/A | N/A | |||||
| 8792607 | XXXXXXX | XXXXXX | Closed | 2025-09-15 13:54 | 2025-09-17 10:06 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. PFA - Buyer-09/16/2025 Open-The Deed of Trust is Incomplete Non-Borrowing spouse did not fully execute deed of trust. - Due Diligence Vendor-09/15/2025 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/17/2025 |
DOT.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5541639 | N/A | N/A | |||||
| 8929313 | XXXXXXX | XXXXXX | Closed | 2025-11-12 14:02 | 2026-05-12 08:18 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Find the attached income calculation worksheet. - Seller-11/21/2025 Counter-11/19/25-Provide income calculation worksheet used to calculate commissioned income in order confirm figures used against the paystubs provided. Condition maintained. - Due Diligence Vendor-11/19/2025 Ready for Review-In this case we are using what is called a TRUE 24 month average. - Buyer-11/13/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements DTI of 52.63% exceeds guideline max of 48.85% per exception in file. - Due Diligence Vendor-11/12/2025 |
Ready for Review-Document Uploaded. Find the attached income calculation worksheet. - Seller-11/21/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/26/2025 |
Income calculation worksheet.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6228624 | N/A | N/A | ||||
| 8929313 | XXXXXXX | XXXXXX | Closed | 2025-11-10 13:26 | 2025-11-26 14:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waived by lender. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please find the attached income calculation worksheet. - Buyer-11/21/2025 Counter-11/19/25-Provide income calculation worksheet used to calculate commissioned income in order confirm figures used against the paystubs provided. Condition maintained. - Due Diligence Vendor-11/19/2025 Ready for Review-In this case We are using what is called a TRUE 24 month average. - Seller-11/13/2025 Open-Audited DTI of 52.63% exceeds Guideline DTI of 43% The lender calculated income was $XX,XXX.XX - Review income is $XX,XXX.XX. Lender calculated the commission income using YTD XXXX, XXXX and only used commission income from XXXX to the XXXXXXXX of XXXX taken from paystubs in the loan file. The resulting lender calculated commissioned income was $XX,XXX.XX. The file contained a WVOE dated XX/XX/XXXX which included XXXX commission income. There was no explanation in the loan file as to why the lender chose to use paystubs for those months only instead of the WVOE. Audit calculated commission income of $XX,XXX.XX using the WVOE. Provide a letter of explanation and supporting documentation to use lender commission income calculation. - Due Diligence Vendor-11/10/2025 |
A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors; however, DTI exceeds submitted and approved exception DTI of 48.846%. - 11/12/2025 Ready for Review-In this case We are using what is called a TRUE 24 month average. - Seller-11/13/2025 |
Waived-Waived by lender. - Due Diligence Vendor-11/26/2025 |
Income calculation worksheet.pdf | Employment > 5 yrs at 6 yrs 4 mo and Credit score > 10 pts higher than qualifying (min required 700 actuals core is 734) | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6198477 | Originator Pre-Close | Yes | |||
| 8929313 | XXXXXXX | XXXXXX | Closed | 2025-11-10 13:27 | 2025-11-19 06:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-11/19/25-Lender provided settlement statement and 1st payment letter for 2nd lien secured by investment property which matches amount used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/13/2025 Open-Missing the documentation from the concurrent loan on the Investment property showing the new payment with XXXXXX Finance and paying off the current 2nd lien. Provide evidence of the new P&I payment for refinanced NOO property. Additional conditions may apply. - Due Diligence Vendor-11/10/2025 |
Resolved-11/19/25-Lender provided settlement statement and 1st payment letter for 2nd lien secured by investment property which matches amount used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 |
First Payment letter.pdf Final Settlement Statement.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6198512 | N/A | N/A | |||||
| 1040265 | XXXXXXX | XXXXXX | Closed | 2025-08-07 13:44 | 2025-08-20 14:29 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Title Document is missing - Due Diligence Vendor-08/07/2025 |
Resolved-Title Document is not Missing - Due Diligence Vendor-08/20/2025 |
Title Report.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 5098505 | N/A | N/A | |||||
| 5294504 | XXXXXXX | XXXXXX | Closed | 2025-08-21 14:52 | 2025-08-26 13:25 | Waived | 2 - Non-Material | Credit | Eligibility | Rental rates and terms are not consistent with market rates and terms | Waived-Rental rate and terms are not consistent with market rates and terms. Exception required to allow using 40% of the short-term rental income of recently purchased property. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 |
Waived-Rental rate and terms are not consistent with market rates and terms. Exception required to allow using 40% of the short-term rental income of recently purchased property. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/21/2025 |
36+ Months 0x30 housing payment history. No derogatory events |
CA | Investment | Refinance | Cash Out - Other | 5272346 | Originator Pre-Close | Yes | |||||
| 6392848 | XXXXXXX | XXXXXX | Closed | 2025-09-16 10:06 | 2025-09-20 08:08 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Business Narrative provided. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Guidelines require Business Narrative for Bank Statement documentation type. Business Narrative is missing from loan file. - Due Diligence Vendor-09/16/2025 |
Resolved-Business Narrative provided. - Due Diligence Vendor-09/20/2025 |
Business Narrative.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5552449 | N/A | N/A | |||||
| 6392848 | XXXXXXX | XXXXXX | Closed | 2025-09-02 14:55 | 2025-09-20 08:07 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/20/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-09/02/2025 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/20/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/20/2025 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5384670 | N/A | N/A | |||||
| 5475489 | XXXXXXX | XXXXXX | Closed | 2025-09-26 15:16 | 2025-10-02 13:24 | Resolved | 1 - Information | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Executed DOT received. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA executed DOT - Buyer-10/02/2025 Open-The Deed of Trust is Not Executed. - Due Diligence Vendor-09/26/2025 |
Resolved-Executed DOT received. - Due Diligence Vendor-10/02/2025 |
executed DOT.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5691535 | N/A | N/A | |||||
| 5475489 | XXXXXXX | XXXXXX | Closed | 2025-09-26 15:16 | 2025-10-02 13:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Pension, Retirement, Disability (Borrower) | Resolved-Recieved. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower1's other retirement, pension, disability type of income in file. Missing proof of disability income in file. - Due Diligence Vendor-09/26/2025 |
Resolved-Recieved. - Due Diligence Vendor-10/02/2025 |
Disability income document.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5691526 | N/A | N/A | |||||
| 5475489 | XXXXXXX | XXXXXX | Closed | 2025-09-06 04:12 | 2025-10-02 13:23 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-09/06/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/02/2025 |
Disability income document.pdf Disability income document.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5438297 | N/A | N/A | |||||
| 7750958 | XXXXXXX | XXXXXX | Closed | 2025-08-28 11:02 | 2025-08-28 11:04 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.23% exceeds Guideline DTI of 45% Exception to go over 45% DTI with LTV over 75% and FICO of 700. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/28/2025 | Waived-Audited DTI of 49.23% exceeds Guideline DTI of 45% Exception to go over 45% DTI with LTV over 75% and FICO of 700. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/28/2025 |
Current and previous mortgages (prior to refinance) reflect 0x30 lates over 36+ months. No derogatory events. |
PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5348679 | Originator Pre-Close | Yes | |||||
| 6755720 | XXXXXXX | XXXXXX | Closed | 2025-09-01 06:23 | 2025-09-17 15:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/01/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/01/2025 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5373117 | Investor Post-Close | No | ||||||
| 7189536 | XXXXXXX | XXXXXX | Closed | 2025-08-22 17:06 | 2025-09-16 14:34 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-09/12/2025 Counter-Received Disclosure Tracking Details. Please provide the E-Consent Agreement signed by the borrower. Condition remains. - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please refer the disclosure tracking details. Package was fulfilled (via physical mail) on XX/XX. - Buyer-09/08/2025 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation on TRID loan is missing for borrower(s). - Due Diligence Vendor-08/22/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/16/2025 |
DISCLOSURE TRACKING DETAILS.pdf E-consent.pdf |
OR | Primary Residence | Refinance | Cash Out - Other | 5290628 | N/A | N/A | |||||
| 3456008 | XXXXXXX | XXXXXX | Closed | 2025-09-08 10:58 | 2026-05-12 08:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Mortgage payment history is not required for HUD Partial Claim lien as there is no monthly mortgage payment. - Buyer-09/10/2025 Ready for Review-Mortgage payment history is not required for HUD Partial Claim lien as there is no monthly mortgage payment. - Buyer-09/10/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Title in file reflects a lien against the subject property that was paid on the final CD. This lien is also reflected on the Fraud and Property reports in file. Guidelines require an acceptable 12-month housing history for all mortgages disclosed in the loan file. - Due Diligence Vendor-09/08/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/15/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5450336 | N/A | N/A | ||||||
| 3456008 | XXXXXXX | XXXXXX | Closed | 2025-09-08 09:02 | 2025-09-15 11:13 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Mortgage payment history is not required for HUD Partial Claim lien as there is no monthly mortgage payment. - Buyer-09/10/2025 Ready for Review-Mortgage payment history is not required for HUD Partial Claim lien as there is no monthly mortgage payment. - Buyer-09/10/2025 Open-Housing History Does Not Meet Guideline Requirements Title in file reflects a lien against the subject property that was paid on the final CD. This lien is also reflected on the Fraud and Property reports in file. Guidelines require an acceptable 12-month housing history for all mortgages disclosed in the loan file. - Due Diligence Vendor-09/08/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/15/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5446974 | N/A | N/A | ||||||
| 6308177 | XXXXXXX | XXXXXX | Closed | 2025-08-14 08:19 | 2025-10-29 07:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing verification of taxes & insurance included in mortgage payment and XXX if applicable. - Due Diligence Vendor-08/14/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/20/2025 |
Mortgage Statement.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 5175047 | N/A | N/A | |||||
| 6308177 | XXXXXXX | XXXXXX | Closed | 2025-08-06 10:50 | 2025-08-20 10:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation recieved. - Due Diligence Vendor-08/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/18/2025 Open-Required Documentation is Missing Mortgage Statement for REO 3(a) and REO 3(b). Missing Verification taxes & insurance are included in OREO's and XXX if applicable. - Due Diligence Vendor-08/06/2025 |
Resolved-Documentation recieved. - Due Diligence Vendor-08/20/2025 |
Mortgage Statement.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 5075675 | N/A | N/A | |||||
| 6172457 | XXXXXXX | XXXXXX | Closed | 2025-08-21 06:50 | 2025-08-29 12:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received W-2s for 2 years for both borrowers. Condition cleared. - Due Diligence Vendor-08/29/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements File is missing the XXXX W2 for Borrower 1's current employer and the XXXX W2 for Borrower 1's previous employer. File is missing the XXXX and XXXX W2s for Borrower 2's current employer. - Due Diligence Vendor-08/21/2025 |
Resolved-Received W-2s for 2 years for both borrowers. Condition cleared. - Due Diligence Vendor-08/29/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/29/2025 |
B2 W2s.pdf B1 W2s.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 5261785 | N/A | N/A | |||||
| 6172457 | XXXXXXX | XXXXXX | Closed | 2025-08-20 08:57 | 2025-08-29 12:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received W-2s for 2 years. Condition cleared. - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-Borrower 2 W2/1099 Missing File is missing the XXXX and XXXX W2s for Borrower 2's current employer. - Due Diligence Vendor-08/20/2025 |
Resolved-Received W-2s for 2 years. Condition cleared. - Due Diligence Vendor-08/29/2025 |
B2 W2s.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5246851 | N/A | N/A | |||||
| 6172457 | XXXXXXX | XXXXXX | Closed | 2025-08-25 08:47 | 2025-08-29 12:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Received W-2s for 2 years. Condition cleared. - Due Diligence Vendor-08/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/26/2025 Open-File is missing the XXXX W2 for Borrower 1's current employer and the XXXX W2 for Borrower 1's previous employer. - Due Diligence Vendor-08/25/2025 |
Resolved-Received W-2s for 2 years. Condition cleared. - Due Diligence Vendor-08/29/2025 |
B1 W2s.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5298697 | N/A | N/A | |||||
| 1208038 | XXXXXXX | XXXXXX | Closed | 2025-09-09 09:41 | 2025-10-29 08:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements. Verification of debt missing for liability #6 on Final 1003. - Due Diligence Vendor-09/09/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 |
New debt Statement.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 5464760 | N/A | N/A | |||||
| 1208038 | XXXXXXX | XXXXXX | Closed | 2025-08-23 09:19 | 2025-09-15 10:46 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-Liability #6 on Final 1003. Supporting documentation is missing. Debt does not appear on credit report. - Due Diligence Vendor-08/23/2025 |
Resolved-Received. - Due Diligence Vendor-09/15/2025 |
New debt Statement.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 5292479 | N/A | N/A | |||||
| 1208038 | XXXXXXX | XXXXXX | Closed | 2025-09-09 09:49 | 2025-09-09 09:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/09/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/09/2025 |
MI | Primary Residence | Refinance | Cash Out - Other | 5464959 | Investor Post-Close | No | ||||||
| 5204129 | XXXXXXX | XXXXXX | Closed | 2025-08-27 09:03 | 2025-09-04 07:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Received payoff. Condition cleared. - Due Diligence Vendor-09/04/2025 Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-09/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-08/29/2025 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-08/27/2025 |
Resolved-Received payoff. Condition cleared. - Due Diligence Vendor-09/04/2025 Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-09/04/2025 |
Payoff statement.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 5331486 | N/A | N/A | |||||
| 5051059 | XXXXXXX | XXXXXX | Closed | 2025-08-22 10:19 | 2025-08-26 10:04 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing Lender provided approved exception for Self-employment VVOE for 60 days expiry. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/22/2025 |
Waived-Borrower 1 3rd Party VOE Prior to Close Missing Lender provided approved exception for Self-employment VVOE for 60 days expiry. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/22/2025 |
1. DTI <5% below the Maximum Qualifying 2. Credit Score >= 10+ Points more than qualifying 3. 36+ Months 0x30 housing payment history |
TN | Primary Residence | Refinance | Cash Out - Other | 5282036 | Originator Pre-Close | Yes | |||||
| 6384043 | XXXXXXX | XXXXXX | Closed | 2025-09-04 13:28 | 2025-10-29 08:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please find the attached document - Buyer-09/05/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements. One of the Student loans was excluded from DTI. No evidence in loan file as to why debt was excluded. - Due Diligence Vendor-09/04/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/10/2025 |
Debt paid by others.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 5414696 | N/A | N/A | |||||
| 6384043 | XXXXXXX | XXXXXX | Closed | 2025-08-22 08:44 | 2025-09-10 12:35 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. XXXXXXX loan with monthly payment $XXX is paid by borrowers son. Please find the attached document. - Buyer-09/05/2025 Open-Audited DTI of 53.16% exceeds Guideline DTI of 50%. - Due Diligence Vendor-08/22/2025 |
Resolved-Audited DTI of 47.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/10/2025 |
Debt paid by others.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 5279799 | N/A | N/A | |||||
| 1286859 | XXXXXXX | XXXXXX | Closed | 2025-09-24 09:36 | 2025-10-21 12:30 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-Document Uploaded. Sufficient documentation received. - Due Diligence Vendor-10/21/2025 Counter-Document provided is insufficient. - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. PFA Copy of Acknowledgment of Fair Market Value disclosure - Buyer-10/03/2025 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. Acknowledgment of Fair Market Value disclosure not signed by Lender. - Due Diligence Vendor-09/24/2025 |
Resolved-Document Uploaded. Sufficient documentation received. - Due Diligence Vendor-10/21/2025 |
Fair Market Value.pdf XXXXXXX - FMV (1).pdf XXXXXXX - FMV (2).pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 5651673 | N/A | N/A | |||||
| 1286859 | XXXXXXX | XXXXXX | Closed | 2025-10-01 07:34 | 2025-10-01 07:34 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 15-day extension on credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/01/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 15-day extension on credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/01/2025 |
1. Minimal debts/ Revolving accounts. 2. No derogatory events. |
TX | Primary Residence | Refinance | Cash Out - Other | 5731180 | Originator Pre-Close | Yes | |||||
| 7707205 | XXXXXXX | XXXXXX | Closed | 2025-09-15 06:59 | 2025-09-20 07:26 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Signed CD provided. - Due Diligence Vendor-09/20/2025 Resolved-Resolved - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. PFA - Buyer-09/16/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-09/15/2025 Open- - Due Diligence Vendor-09/15/2025 |
Resolved-Signed CD provided. - Due Diligence Vendor-09/20/2025 Resolved-Resolved - Due Diligence Vendor-09/20/2025 |
Signed CD.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 5532372 | N/A | N/A | |||||
| 7028241 | XXXXXXX | XXXXXX | Closed | 2025-08-23 05:48 | 2025-09-03 09:14 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/03/2025 Open-Housing History Does Not Meet Guideline Requirements Supporting documents are required to verify the borrower's current primary residence housing history and PITI for new loan. Additional conditions may apply. - Due Diligence Vendor-08/23/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/03/2025 |
WA | Investment | Refinance | Cash Out - Other | 5292055 | N/A | N/A | ||||||
| 7028241 | XXXXXXX | XXXXXX | Closed | 2025-08-23 06:27 | 2025-09-03 09:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/03/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-08/23/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/03/2025 |
WA | Investment | Refinance | Cash Out - Other | 5292109 | N/A | N/A | ||||||
| 6045403 | XXXXXXX | XXXXXX | Closed | 2025-09-22 11:17 | 2025-09-22 11:17 | Waived | 2 - Non-Material | Credit | Missing Doc | VA - Missing Verification of VA Benefit, VA Form 26-8937 | Waived-Missing Verification of VA Benefit, VA Form 26-8937 Lender exception in file to use VA Certificate of Eligibility for VA Disability Income. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/22/2025 | Waived-Missing Verification of VA Benefit, VA Form 26-8937 Lender exception in file to use VA Certificate of Eligibility for VA Disability Income. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/22/2025 |
Employment for an extended period at the same job. Reserves over two months of PITI. |
TX | Primary Residence | Refinance | Cash Out - Other | 5620250 | Originator Pre-Close | Yes | |||||
| 5258580 | XXXXXXX | XXXXXX | Closed | 2025-09-08 15:40 | 2025-10-29 11:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing evidence of business- CPA, EA of licensed preparer letter, regulatory agency of licensing bureau and % of ownership. - Due Diligence Vendor-09/08/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-09/15/2025 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5456926 | N/A | N/A | |||||
| 5258580 | XXXXXXX | XXXXXX | Closed | 2025-09-08 15:30 | 2025-09-15 10:50 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Subject property listed for sale. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/15/2025 Acknowledged-Subject property listed for sale. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/08/2025 |
Waived-Subject property listed for sale. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/15/2025 Acknowledged-Subject property listed for sale. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/08/2025 |
CLTV <%% below max B2 income not used for qualifying |
CA | Primary Residence | Refinance | Cash Out - Other | 5456760 | Originator Pre-Close | Yes | |||||
| 5258580 | XXXXXXX | XXXXXX | Closed | 2025-08-23 08:28 | 2025-09-15 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/23/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/15/2025 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5292337 | N/A | N/A | |||||
| 6246208 | XXXXXXX | XXXXXX | Closed | 2025-08-31 04:29 | 2026-05-14 07:14 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 43.73% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-08/31/2025 | Waived-Audited DTI of 43.73% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-08/31/2025 |
Audited DTI of 43.73% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation. | WA | Primary Residence | Refinance | Cash Out - Other | 5371466 | Originator Pre-Close | Yes | |||||
| 6246208 | XXXXXXX | XXXXXX | Closed | 2025-08-31 02:55 | 2025-09-20 08:20 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached Exception Form. - Buyer-09/18/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-08/31/2025 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/20/2025 |
Exception Form.pdf | Credit Score 10+ points higher than min. No derogatory events. No mortgage lates for 36+ months. |
WA | Primary Residence | Refinance | Cash Out - Other | 5371407 | Originator Pre-Close | Yes | ||||
| 6246208 | XXXXXXX | XXXXXX | Closed | 2025-08-31 02:55 | 2025-09-20 08:19 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached Exception Form. - Buyer-09/18/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/31/2025 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/20/2025 |
Exception Form.pdf | Credit Score 10+ points higher than min. No derogatory events. No mortgage lates for 36+ months. |
WA | Primary Residence | Refinance | Cash Out - Other | 5371406 | Originator Pre-Close | Yes | ||||
| 6135006 | XXXXXXX | XXXXXX | Closed | 2025-09-17 09:23 | 2025-10-02 13:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-10/02/2025 Open- - Due Diligence Vendor-10/02/2025 Open-CD signed 8/29 received. For rescindable transactions, all borrowers and vested owners must receive/ack the ICD. - Due Diligence Vendor-10/02/2025 Open- - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA signed CD - Buyer-10/01/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. There is no e-signature or disclosure tracking in the loan file. Therefore, the Mailbox Rule/Presumed Receipt is applied, and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. - Due Diligence Vendor-09/17/2025 Open- - Due Diligence Vendor-09/17/2025 |
Resolved-Resolved - Due Diligence Vendor-10/02/2025 |
Signed CD -XXXXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5567471 | N/A | N/A | |||||
| 6135006 | XXXXXXX | XXXXXX | Closed | 2025-09-17 09:31 | 2025-10-02 13:29 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA e-consent - Buyer-10/01/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-09/17/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/02/2025 |
E-consent.pdf | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5567700 | N/A | N/A | |||||
| 3973259 | XXXXXXX | XXXXXX | Closed | 2025-08-26 15:38 | 2025-10-29 11:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Social Security & Pension document is missing for Borrower - 1 & Social security document is for Borrower 2 - Due Diligence Vendor-08/26/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/12/2025 |
SSA Award letter B2.pdf SSA Award letter B1.pdf Pension Award letter.pdf |
AZ | Second Home | Refinance | Cash Out - Other | 5325788 | N/A | N/A | |||||
| 3973259 | XXXXXXX | XXXXXX | Closed | 2025-08-26 15:48 | 2025-10-29 11:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing Hazard Insurance Policy - Due Diligence Vendor-08/26/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/12/2025 |
HOI Policy and RCE.pdf | AZ | Second Home | Refinance | Cash Out - Other | 5325967 | N/A | N/A | |||||
| 3973259 | XXXXXXX | XXXXXX | Closed | 2025-09-06 09:01 | 2025-09-12 08:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2) | Resolved-Received. - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/09/2025 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement, Pension, or Disability income in file. Missing proof of Social Security income for borrower 2. - Due Diligence Vendor-09/06/2025 |
Resolved-Received. - Due Diligence Vendor-09/12/2025 |
SSA Award letter B2.pdf | AZ | Second Home | Refinance | Cash Out - Other | 5439281 | N/A | N/A | |||||
| 3973259 | XXXXXXX | XXXXXX | Closed | 2025-09-06 09:01 | 2025-09-12 08:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Pension, Retirement, Disability (Borrower) | Resolved-Received. - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-09/09/2025 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower1's other retirement, pension, disability type of income in file. Missing proof of Social Security and Pension income for borrower. - Due Diligence Vendor-09/06/2025 |
Resolved-Received. - Due Diligence Vendor-09/12/2025 |
SSA Award letter B1.pdf Pension Award letter.pdf |
AZ | Second Home | Refinance | Cash Out - Other | 5439271 | N/A | N/A | |||||
| 3973259 | XXXXXXX | XXXXXX | Closed | 2025-08-26 15:05 | 2025-09-12 08:57 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/09/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/26/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/09/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/12/2025 |
HOI Policy and RCE.pdf | AZ | Second Home | Refinance | Cash Out - Other | 5325285 | N/A | N/A | ||||
| 8321893 | XXXXXXX | XXXXXX | Closed | 2025-08-31 03:22 | 2025-08-31 03:22 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 45.4% exceeds Guideline DTI of 43% Lender Guideline states Max DTI is 43%, however Documentation in file indicates DTI is 45%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/31/2025 | Waived-Audited DTI of 45.4% exceeds Guideline DTI of 43% Lender Guideline states Max DTI is 43%, however Documentation in file indicates DTI is 45%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/31/2025 |
Compensating Factors: 1. 36+ Months 0x30 housing payment history. 2. No significant derogatory events |
AZ | Primary Residence | Refinance | Cash Out - Other | 5371417 | Originator Pre-Close | Yes | |||||
| 3203665 | XXXXXXX | XXXXXX | Closed | 2025-08-24 10:58 | 2025-09-16 10:06 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-Title Document is missing - Due Diligence Vendor-08/24/2025 |
Resolved-Title Document is not Missing - Due Diligence Vendor-09/16/2025 |
Title Report.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5294415 | N/A | N/A | |||||
| 6202814 | XXXXXXX | XXXXXX | Closed | 2025-08-22 17:31 | 2025-10-29 11:06 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/11/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Evidence of property taxes and XXX for property 3b on the final application not provided. - Due Diligence Vendor-08/22/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/16/2025 |
Property Profile Report.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5290825 | N/A | N/A | |||||
| 6202814 | XXXXXXX | XXXXXX | Closed | 2025-08-22 17:16 | 2025-09-16 10:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Received. - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/11/2025 Open-Evidence of property taxes and XXX for property 3b on the final application not provided. - Due Diligence Vendor-08/22/2025 |
Resolved-Received. - Due Diligence Vendor-09/16/2025 |
Property Profile Report.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5290722 | N/A | N/A | |||||
| 6202814 | XXXXXXX | XXXXXX | Closed | 2025-08-22 17:38 | 2025-08-22 17:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/22/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/22/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 5290898 | Investor Post-Close | No | ||||||
| 1761308 | XXXXXXX | XXXXXX | Closed | 2025-08-27 11:10 | 2025-09-04 06:44 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received Credit Report. Condition cleared. - Due Diligence Vendor-09/04/2025 Ready for Review-Document Uploaded. Please find the attached Credit report. - Buyer-08/29/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report missing from loan file. - Due Diligence Vendor-08/27/2025 |
Resolved-Received Credit Report. Condition cleared. - Due Diligence Vendor-09/04/2025 |
Credit report.pdf | CO | Investment | Refinance | Cash Out - Other | 5334594 | N/A | N/A | |||||
| 1761308 | XXXXXXX | XXXXXX | Closed | 2025-08-25 09:04 | 2025-09-04 06:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received Credit Report. Condition cleared. - Due Diligence Vendor-09/04/2025 Ready for Review-Document Uploaded. Please find the attached Credit report. - Buyer-08/29/2025 Open-Borrower 2 Credit Report is Missing. Consideration of credit is required, but a credit report for each borrower has not been provided. - Due Diligence Vendor-08/25/2025 |
Resolved-Received Credit Report. Condition cleared. - Due Diligence Vendor-09/04/2025 |
Credit report.pdf | CO | Investment | Refinance | Cash Out - Other | 5299007 | N/A | N/A | |||||
| 1761308 | XXXXXXX | XXXXXX | Closed | 2025-08-25 09:04 | 2025-09-04 06:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. Condition cleared. - Due Diligence Vendor-09/04/2025 Ready for Review-Document Uploaded. Please find the attached Credit report. - Buyer-08/29/2025 Open-Borrower 1 Credit Report is Missing. Consideration of credit is required, but a credit report for each borrower has not been provided. - Due Diligence Vendor-08/25/2025 |
Resolved-Received Credit Report. Condition cleared. - Due Diligence Vendor-09/04/2025 |
Credit report.pdf | CO | Investment | Refinance | Cash Out - Other | 5299006 | N/A | N/A | |||||
| 2350233 | XXXXXXX | XXXXXX | Closed | 2025-09-04 10:27 | 2025-09-20 08:42 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Resolved-H8 Provided to borrower. - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please see attached Corrected NRTC form, Cover letter and proof of corrected NRTC delivered - Buyer-09/17/2025 Open-TILA: Incorrect NORTC model provided - H9 - Due Diligence Vendor-09/04/2025 |
Resolved-H8 Provided to borrower. - Due Diligence Vendor-09/20/2025 |
FedEx Delivered.pdf FedEx label_ XXXXXXX.pdf [redacted] RTC Cover Letter.pdf NRTC.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 5410478 | N/A | N/A | |||||
| 4317276 | XXXXXXX | XXXXXX | Closed | 2025-08-30 05:04 | 2025-09-20 07:51 | Resolved | 1 - Information | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal Update was provided. - Due Diligence Vendor-09/20/2025 Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Primary Value Appraisal is Expired - Due Diligence Vendor-08/30/2025 |
Resolved-Appraisal Update was provided. - Due Diligence Vendor-09/20/2025 Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-09/20/2025 |
Appraisal recertification.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5369934 | N/A | N/A | |||||
| 4317276 | XXXXXXX | XXXXXX | Closed | 2025-08-30 04:20 | 2025-08-30 04:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-08/30/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-08/30/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 5369891 | Investor Post-Close | No | ||||||
| 8507862 | XXXXXXX | XXXXXX | Closed | 2025-09-06 14:37 | 2025-09-23 09:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 670 is less than Guideline FICO of 680 Audited FICO is less than Guideline FICO. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/06/2025 |
Waived-Audited FICO of 670 is less than Guideline FICO of 680 Audited FICO is less than Guideline FICO. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/06/2025 |
Income not used to qualify. 36+ Months 0x30 housing payment history . Minimal debts / Revolving accounts |
CA | Primary Residence | Refinance | Cash Out - Other | 5440446 | Originator Pre-Close | Yes | |||||
| 1183044 | XXXXXXX | XXXXXX | Closed | 2025-09-06 04:01 | 2025-09-25 08:01 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 45.04% exceeds Guideline DTI of 43% Lender Exception: DTI > 43% on 85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/06/2025 |
Waived-Audited DTI of 45.04% exceeds Guideline DTI of 43% Lender Exception: DTI > 43% on 85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/06/2025 |
Compensating factors are met: i)Borrower on the same employment for more than 22 years. ii) Credit Score is >=10+ points more than from qualifying FICO. | AZ | Primary Residence | Refinance | Cash Out - Other | 5438287 | Originator Pre-Close | Yes | |||||
| 3674314 | XXXXXXX | XXXXXX | Closed | 2025-09-09 15:03 | 2025-09-09 15:05 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/09/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/09/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 5472866 | Investor Post-Close | No | ||||||
| 2456313 | XXXXXXX | XXXXXX | Closed | 2025-09-28 07:11 | 2026-05-12 08:24 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/03/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Subject property type is PUD. However, evidence of monthly XXX dues is missing. - Due Diligence Vendor-09/28/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/06/2025 |
XXX XX XXXXX XXX, XXXXXXX, XX XXXXX _ XXXXXXX - XXX dues.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5695279 | N/A | N/A | |||||
| 2456313 | XXXXXXX | XXXXXX | Closed | 2025-10-02 12:18 | 2025-10-06 13:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-Sufficient supporting documentation received. - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/03/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-10/02/2025 |
Resolved-Sufficient supporting documentation received. - Due Diligence Vendor-10/06/2025 |
XXX XX XXXXX XXX, XXXXXXX, XX XXXXX _ XXXXXXX - XXX dues.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5754704 | N/A | N/A | |||||
| 2456313 | XXXXXXX | XXXXXX | Closed | 2025-09-28 06:51 | 2025-10-02 12:40 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline States credit report should not be more than 45 days from note date. Credit Report in loan file exceeds 45 days. Lender provided Approved exception prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/28/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline States credit report should not be more than 45 days from note date. Credit Report in loan file exceeds 45 days. Lender provided Approved exception prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/28/2025 |
6 years 2 months with same employer 0 x 30 housing history lates within 36 months No derogatory credit events |
FL | Primary Residence | Refinance | Cash Out - Other | 5695258 | Originator Pre-Close | Yes | |||||
| 2456313 | XXXXXXX | XXXXXX | Closed | 2025-09-28 06:51 | 2025-10-02 12:39 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender Guideline States credit report should not be more than 45 days from note date. Credit Report in loan file exceeds 45 days. Lender provided Approved exception prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/28/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender Guideline States credit report should not be more than 45 days from note date. Credit Report in loan file exceeds 45 days. Lender provided Approved exception prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/28/2025 |
6 years 2 months with same employer 0 x 30 housing history lates within 36 months No derogatory credit events |
FL | Primary Residence | Refinance | Cash Out - Other | 5695259 | Originator Pre-Close | Yes | |||||
| 8986263 | XXXXXXX | XXXXXX | Closed | 2025-08-30 15:26 | 2025-09-17 11:31 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Valuation FSD score is greater than 10 and per GL page #54, AVM score should be greater than 10 for loan amount between XXXXXX to $XXXXX, subject loan amount is $XXXXXX. Lender exception is provided on page #566. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/30/2025 |
Waived-Valuation FSD score is greater than 10 and per GL page #54, AVM score should be greater than 10 for loan amount between 250001 to $40000, subject loan amount is $270000. Lender exception is provided on page #566. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/30/2025 |
1) DTI <5% below the Maximum Qualifying 2) Credit Score >/= 10+ Points more than qualifying 3) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 5371053 | Originator Pre-Close | Yes | |||||
| 9997954 | XXXXXXX | XXXXXX | Closed | 2025-08-06 15:02 | 2025-08-06 15:03 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Acknowledged-Notice of Servicing Transfer Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/06/2025 | Acknowledged-Notice of Servicing Transfer Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/06/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5082177 | Investor Post-Close | No | ||||||
| 4360259 | XXXXXXX | XXXXXX | Closed | 2025-08-26 07:10 | 2025-09-06 09:45 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Upon further review, condition is cleared. - Due Diligence Vendor-09/06/2025 Resolved-Resolved - Due Diligence Vendor-09/06/2025 Ready for Review-The disclosed finance charge ($X.XX) is ($XXX,XXX.XX) below the actual finance charge($XXX,XXX.XX) - Final CD has $XXX,XXX.XX. Not sure what is this condition for? - Seller-09/03/2025 Open-The disclosed finance charge ($X.XX) is ($XXX,XXX/.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The calculated finance charge is $XXX,XXX.XX. The final Closing Disclosure, dated XX/XX/XXXX, reflects a finance charge of $XXX,XXX.XX, which is a difference of $X.XX. It appears that the XXXXXX in the loan file was submitted with an ATR type of Qualified Mortgage and QM Type of General Qualified Mortgage, but the loan was submitted as a non-QM loan. It also appears that the lender used a bona fide discount point rate reduction basis of 0.25 vs 0.10. - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-09/02/2025 Open- - Due Diligence Vendor-09/02/2025 Open- - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-08/26/2025 |
Ready for Review-The disclosed finance charge ($X.XX) is ($XXX,XXX.XX) below the actual finance charge($XXX,XXX.XX) - Final CD has $XXX,XXX.XX. Not sure what is this condition for? - Seller-09/03/2025 |
Resolved-Upon further review, condition is cleared. - Due Diligence Vendor-09/06/2025 Resolved-Resolved - Due Diligence Vendor-09/06/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5314703 | N/A | N/A | |||||
| 4360259 | XXXXXXX | XXXXXX | Closed | 2025-08-20 11:53 | 2025-09-06 09:38 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Received O&E. Condition cleared. - Due Diligence Vendor-09/06/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-09/06/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/03/2025 Open-Title Document is missing There is no title commitment, policy or other title document in the file. - Due Diligence Vendor-08/20/2025 |
Resolved-Received O&E. Condition cleared. - Due Diligence Vendor-09/06/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-09/06/2025 |
Title Report.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5251527 | N/A | N/A | |||||
| 8083833 | XXXXXXX | XXXXXX | Closed | 2025-09-08 10:53 | 2025-09-08 10:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Invalid finding. Finding rescinded. - Due Diligence Vendor-09/08/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/08/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-09/08/2025 |
Resolved-Invalid finding. Finding rescinded. - Due Diligence Vendor-09/08/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/08/2025 |
AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5450220 | N/A | N/A | ||||||
| 4117480 | XXXXXXX | XXXXXX | Closed | 2025-09-06 06:10 | 2026-05-14 07:16 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided exception to increase max DTI to 48%. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/14/2026 Waived-Lender provided exception to increase max DTI to 48%. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/25/2025 Open-Audited DTI of 47.78% exceeds Guideline DTI of 43% - Due Diligence Vendor-09/06/2025 |
Waived-Lender provided exception to increase max DTI to 48%. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/14/2026 Waived-Lender provided exception to increase max DTI to 48%. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2025 |
Exception Form.pdf | 7 years with the same employer No derogatory events |
AL | Primary Residence | Refinance | Cash Out - Other | 5438652 | Originator Post-Close | No | ||||
| 3155738 | XXXXXXX | XXXXXX | Closed | 2025-09-16 13:53 | 2025-09-22 16:50 | Waived | 2 - Non-Material | Credit | Eligibility | Mortgage/Rental lates exceed guidelines | Waived-Credit report reflects 120 days late payment within last 24 months. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/16/2025 |
Waived-Credit report reflects 120 days late payment within last 24 months. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/16/2025 |
Compensating factors are verified. 1. CLTV <5% below the Maximum Qualifying 2. DTI <5% below the Maximum Qualifying |
NC | Primary Residence | Refinance | Cash Out - Other | 5558375 | Originator Pre-Close | Yes | |||||
| 5487203 | XXXXXXX | XXXXXX | Closed | 2025-09-01 06:16 | 2025-09-17 10:13 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/17/2025 Resolved-Appraisal or other primary valuation product is missing - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Appraisal or other primary valuation product is missing Appraisal or other acceptable primary valuation product is missing - Due Diligence Vendor-09/01/2025 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/17/2025 Resolved-Appraisal or other primary valuation product is missing - Due Diligence Vendor-09/17/2025 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5373107 | N/A | N/A | |||||
| 9767487 | XXXXXXX | XXXXXX | Closed | 2025-08-30 07:50 | 2025-09-20 08:56 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Doc provided. - Due Diligence Vendor-09/20/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Title Document is missing - Due Diligence Vendor-08/30/2025 |
Resolved-Title Doc provided. - Due Diligence Vendor-09/20/2025 Resolved-Title Document is not Missing - Due Diligence Vendor-09/20/2025 |
Title Report.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5370151 | N/A | N/A | |||||
| 8143884 | XXXXXXX | XXXXXX | Closed | 2025-09-08 06:07 | 2025-12-15 14:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Subject Primary lien expenses is missing. - Due Diligence Vendor-09/08/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-10/07/2025 |
Mortgage statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5445091 | N/A | N/A | |||||
| 8143884 | XXXXXXX | XXXXXX | Closed | 2025-09-07 11:32 | 2025-10-07 11:11 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-Missing primary lien information to verify P&I. Provide mortgage statement or supporting documents - Due Diligence Vendor-09/07/2025 |
Resolved-Received. - Due Diligence Vendor-10/07/2025 |
Mortgage statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5442776 | N/A | N/A | |||||
| 9224628 | XXXXXXX | XXXXXX | Closed | 2025-09-01 15:04 | 2025-10-29 11:11 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/16/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Borrower 1 Credit Report is Missing - Due Diligence Vendor-09/01/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/16/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/17/2025 |
Credit report.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5373879 | N/A | N/A | ||||
| 9224628 | XXXXXXX | XXXXXX | Closed | 2025-09-15 09:20 | 2025-10-29 11:11 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/16/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Housing history is not verified as per GL requirement. Borrower 1 Credit Report is Missing - Due Diligence Vendor-09/15/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-09/16/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-09/17/2025 |
Credit report.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5534527 | N/A | N/A | ||||
| 9224628 | XXXXXXX | XXXXXX | Closed | 2025-09-01 15:04 | 2025-09-17 10:03 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Borrower 1 Credit Report is Missing. Additional conditions may apply. - Due Diligence Vendor-09/01/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/17/2025 |
Credit report.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5373877 | N/A | N/A | |||||
| 9224628 | XXXXXXX | XXXXXX | Closed | 2025-09-01 15:04 | 2025-09-17 10:03 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Housing History Does Not Meet Guideline Requirements Housing history is not verified as per GL requirement. Borrower 1 Credit Report is Missing - Due Diligence Vendor-09/01/2025 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/17/2025 |
Credit report.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5373878 | N/A | N/A | |||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-26 11:22 | 2025-09-10 12:51 | Resolved | 1 - Information | Compliance | Fees:Limited | [redacted] - Maximum Fees Allowed | Resolved-Resolved - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 Open-The [redacted] Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) The [redacted] Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/26/2025 |
Resolved-Resolved - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5320257 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-26 11:22 | 2025-09-10 12:51 | Resolved | 1 - Information | Compliance | Enterprise:FeeLimits | ER - [redacted] Constitution 3% Fee Limit | Resolved-Resolved - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 Open-The [redacted] Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) The [redacted] Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) - Due Diligence Vendor-08/26/2025 Open- - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/26/2025 |
Resolved-Resolved - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5320258 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-27 06:03 | 2025-09-10 10:04 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing | Resolved-Received proof of copies of all loan documents received by borrower. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-09/10/2025 Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. - Due Diligence Vendor-08/27/2025 |
Resolved-Received proof of copies of all loan documents received by borrower. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5329414 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-09-04 07:36 | 2025-09-10 09:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-Received signed final 1003. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-09/10/2025 Open-The Final 1003 is Missing - Due Diligence Vendor-09/04/2025 |
Resolved-Received signed final 1003. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5406669 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-26 07:31 | 2025-09-10 09:39 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-08/26/2025 |
Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5314981 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-27 05:57 | 2025-09-10 09:38 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 Open-The disclosed finance charge ($X.XX) is ($XX,XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/27/2025 |
Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5329364 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-27 05:57 | 2025-09-10 09:38 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 Open-The disclosed APR (0.0) is lower than the actual APR (8.912) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/27/2025 |
Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5329366 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-27 05:57 | 2025-09-10 09:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/27/2025 |
Resolved-Received final CD. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved- - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5329365 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-09-04 08:07 | 2025-09-10 09:24 | Resolved | 1 - Information | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-Received executed 1-4 Rider. Condition cleared. - Due Diligence Vendor-09/10/2025 Open-1-4 Family Rider is Missing - Due Diligence Vendor-09/04/2025 |
Resolved-Received executed 1-4 Rider. Condition cleared. - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5407124 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-08-25 03:49 | 2025-09-10 09:24 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Received executed Note. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-The Note is Present - Due Diligence Vendor-09/10/2025 Open-The Note is Missing - Due Diligence Vendor-08/25/2025 |
Resolved-Received executed Note. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-The Note is Present - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5296273 | N/A | N/A | ||||||
| 8467591 | XXXXXXX | XXXXXX | Closed | 2025-09-04 08:06 | 2025-09-10 09:23 | Resolved | 1 - Information | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Received executed DOT. Condition cleared. - Due Diligence Vendor-09/10/2025 Open-The Deed of Trust is Not Executed - Due Diligence Vendor-09/04/2025 |
Resolved-Received executed DOT. Condition cleared. - Due Diligence Vendor-09/10/2025 |
TX | Investment | Refinance | Cash Out - Other | 5407118 | N/A | N/A | ||||||
| 4275498 | XXXXXXX | XXXXXX | Closed | 2025-08-21 14:16 | 2025-09-04 07:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Excessive Inquiries) | Resolved-Received credit inquiry letter evidencing no new debts. Condition cleared. - Due Diligence Vendor-09/04/2025 Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/02/2025 Open-Missing LOE for Excessive Inquiries GL section 4-2-4-14 requires Inquiry letter addressing all inquiries in the most recent 90 days. Same is missing in file. - Due Diligence Vendor-08/21/2025 |
Resolved-Received credit inquiry letter evidencing no new debts. Condition cleared. - Due Diligence Vendor-09/04/2025 Resolved-LOE for Excessive Inquiries provided - Due Diligence Vendor-09/04/2025 |
LOE - CREDIT INQUIRIES.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5271632 | N/A | N/A | |||||
| 4275498 | XXXXXXX | XXXXXX | Closed | 2025-08-21 13:08 | 2025-08-21 13:08 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Colorado (CO) Consumer Credit Code Violation: Refinance Disclosure is missing or not provided | Acknowledged-Colorado Consumer Credit Code Violation: Refinance Disclosure is missing or not provided This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 | Acknowledged-Colorado Consumer Credit Code Violation: Refinance Disclosure is missing or not provided This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 5270342 | Investor Post-Close | No | ||||||
| 3331698 | XXXXXXX | XXXXXX | Closed | 2025-09-06 03:57 | 2025-09-23 18:21 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-Title Document is missing Title Document Missing - Due Diligence Vendor-09/06/2025 |
Resolved-Title Document is not Missing - Due Diligence Vendor-09/23/2025 |
Title Report.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5438279 | N/A | N/A | |||||
| 2810406 | XXXXXXX | XXXXXX | Closed | 2025-09-10 11:45 | 2025-10-14 12:15 | Cured | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Cured-Lender provided post close VVOE. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender Guidelines require a VVOE within 10 Business Days of the Funding Date for Escrow States; verification provided is greater than 10 days from the funding date. - Due Diligence Vendor-10/14/2025 Ready for Review-Post close VVOE is acceptable, however you can change the grade from D to B as VVOE is not within 10 days of closing. - Buyer-10/13/2025 Counter-The published guideline has not been met. - Due Diligence Vendor-10/09/2025 Ready for Review-Kindly change the rating from grade D to B. - Buyer-10/03/2025 Counter-VVOE is post close. XXXXXX Guidelines require: Borrower’s current employment status is required for all borrowers within ten business days from the Mortgage Note date - Due Diligence Vendor-09/30/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 |
Cured-Lender provided post close VVOE. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5486479 | N/A | N/A | |||||
| 6121607 | XXXXXXX | XXXXXX | Closed | 2025-09-16 09:52 | 2025-09-16 09:54 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-09/16/2025 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) - Due Diligence Vendor-09/16/2025 Open- - Due Diligence Vendor-09/16/2025 |
Resolved-Resolved - Due Diligence Vendor-09/16/2025 |
AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5552052 | N/A | N/A | ||||||
| 6121607 | XXXXXXX | XXXXXX | Closed | 2025-08-23 16:05 | 2025-09-16 09:53 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-09/16/2025 Resolved- - Due Diligence Vendor-09/16/2025 Ready for Review-Document Uploaded. PFA signed CD. - Buyer-09/15/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. Missing evidence of electronically received therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-08/23/2025 Open- - Due Diligence Vendor-08/23/2025 |
Resolved-Resolved - Due Diligence Vendor-09/16/2025 |
Signed CD.pdf | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5293582 | N/A | N/A | |||||
| 6121607 | XXXXXXX | XXXXXX | Closed | 2025-08-23 16:21 | 2025-08-23 16:21 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 44.94% exceeds Guideline DTI of 43% As per GL, DTI to be restricted to 43% with CLTV of 75% and 660 FICO however subject file's audited DTI of 44.94% exceeds Guideline DTI of 43%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/23/2025 | Waived-Audited DTI of 44.94% exceeds Guideline DTI of 43% As per GL, DTI to be restricted to 43% with CLTV of 75% and 660 FICO however subject file's audited DTI of 44.94% exceeds Guideline DTI of 43%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-08/23/2025 |
36+ Months 0x30 housing payment history Minimal Debts - Paying off all debts |
AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5293601 | Originator Pre-Close | Yes | |||||
| 5124608 | XXXXXXX | XXXXXX | Closed | 2025-08-23 05:48 | 2025-10-29 11:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Received evidence of XXX dues. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/08/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/23/2025 |
Resolved-Received evidence of XXX dues. Condition cleared. - Due Diligence Vendor-09/10/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/10/2025 |
XXX statement.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5292054 | N/A | N/A | |||||
| 5124608 | XXXXXXX | XXXXXX | Closed | 2025-09-05 11:23 | 2025-09-10 09:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-Received evidence of XXX dues. Condition cleared. - Due Diligence Vendor-09/10/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/08/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-09/05/2025 |
Resolved-Received evidence of XXX dues. Condition cleared. - Due Diligence Vendor-09/10/2025 |
XXX statement.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 5429756 | N/A | N/A | |||||
| 5899746 | XXXXXXX | XXXXXX | Closed | 2025-09-12 09:16 | 2025-10-06 12:34 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. PFA. - Buyer-10/01/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-09/23/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/06/2025 |
E-consent.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5514789 | N/A | N/A | |||||
| 6997360 | XXXXXXX | XXXXXX | Closed | 2025-08-22 14:12 | 2025-10-31 13:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Dated pre close - Due Diligence Vendor-10/31/2025 Waived-Exception received for CLTV/HCLTV to 80% - Due Diligence Vendor-09/15/2025 Open-Audited CLTV of 78.47% exceeds Guideline CLTV of 75% - Due Diligence Vendor-09/15/2025 Open-Audited CLTV of 80.44% exceeds Guideline CLTV of 75% - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached documents. We have AVM with property value $XXX,XXX in loan file. Current CLTV on the loan file is 78.47% and DTI is 45.53% with FICO 688 for which Exception has been granted. - Buyer-09/10/2025 Open-Audited CLTV of 80.44% exceeds Guideline CLTV of 75% As per AVM Audit calculated Property Value is XXXXXX However lender qualified XXXXXX, Hence CLTV and HCLTV Exceed the GL - Due Diligence Vendor-08/22/2025 |
Waived-Dated pre close - Due Diligence Vendor-10/31/2025 Waived-Exception received for CLTV/HCLTV to 80% - Due Diligence Vendor-09/15/2025 |
Exception Form.pdf AVM.pdf |
36 mo 0x30 payment history No derogatory events |
MD | Primary Residence | Refinance | Cash Out - Other | 5287515 | Originator Pre-Close | Yes | ||||
| 6997360 | XXXXXXX | XXXXXX | Closed | 2025-08-22 14:12 | 2025-10-31 13:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-dated pre-close - Due Diligence Vendor-10/31/2025 Waived-Exception received for CLTV/HCLTV to 80% - Due Diligence Vendor-09/15/2025 Open-Audited HLTV of 78.47% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached documents. We have AVM with property value $XXX,XXX in loan file. Current CLTV on the loan file is 78.47% and DTI is 45.53% with FICO 688 for which Exception has been granted. - Buyer-09/10/2025 Open-Audited HLTV of 80.44% exceeds Guideline HCLTV of 75% As per AVM Audit calculated Property Value is XXXXXX However lender qualified XXXXXX, Hence CLTV and HCLTV Exceed the GL - Due Diligence Vendor-08/22/2025 |
Waived-dated pre-close - Due Diligence Vendor-10/31/2025 Waived-Exception received for CLTV/HCLTV to 80% - Due Diligence Vendor-09/15/2025 |
Exception Form.pdf AVM.pdf |
36 mo 0x30 payment history No derogatory events |
MD | Primary Residence | Refinance | Cash Out - Other | 5287516 | Originator Pre-Close | Yes | ||||
| 6997360 | XXXXXXX | XXXXXX | Closed | 2025-09-15 09:43 | 2025-10-31 13:35 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received for DTI up to 50% - Due Diligence Vendor-09/15/2025 Open-Audited DTI of 45.12% exceeds Guideline DTI of 43% - Due Diligence Vendor-09/15/2025 |
Waived-Exception received for DTI up to 50% - Due Diligence Vendor-09/15/2025 |
36 mo 0x30 payment history No derogatory events |
MD | Primary Residence | Refinance | Cash Out - Other | 5535114 | Originator Pre-Close | Yes | |||||
| 7529663 | XXXXXXX | XXXXXX | Closed | 2025-09-25 14:22 | 2025-09-25 14:22 | Waived | 2 - Non-Material | Credit | Eligibility | Credit History Insufficient | Waived-Lender exception provided for B2 not having sufficient tradelines or no mortgage tradeline. B2 is short 3 months on one tradeline. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/25/2025 | Waived-Lender exception provided for B2 not having sufficient tradelines or no mortgage tradeline. B2 is short 3 months on one tradeline. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/25/2025 |
Minimal debts / Revolving accounts. No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 5676022 | Originator Pre-Close | Yes | |||||
| 4048923 | XXXXXXX | XXXXXX | Closed | 2025-08-23 05:51 | 2025-09-02 14:18 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 5292061 | Investor Post-Close | No | ||||||
| 7767642 | XXXXXXX | XXXXXX | Closed | 2025-08-23 09:11 | 2025-09-10 13:10 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 5292448 | Investor Post-Close | No | ||||||
| 3222211 | XXXXXXX | XXXXXX | Closed | 2025-09-20 03:18 | 2025-09-20 10:40 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Exception to allow 4-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/20/2025 | Waived-Borrower 1 Gap Credit Report is Missing Exception to allow 4-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/20/2025 |
Compensating Factors are verified: i) CLTV <5% below the Maximum Qualifying ii)Employment for an extended period at the same job | CA | Primary Residence | Refinance | Cash Out - Other | 5609635 | Originator Pre-Close | Yes | |||||
| 4126293 | XXXXXXX | XXXXXX | Closed | 2025-08-21 15:04 | 2025-08-27 16:12 | Acknowledged | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Acknowledged-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) NORTC not provided in the loan file. A borrower handwritten and signed letter of attestation stating they are waiving there right to Rescind is present in the file. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 Open- - Due Diligence Vendor-08/21/2025 |
Acknowledged-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) NORTC not provided in the loan file. A borrower handwritten and signed letter of attestation stating they are waiving there right to Rescind is present in the file. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5272564 | Investor Post-Close | No | ||||||
| 4126293 | XXXXXXX | XXXXXX | Closed | 2025-08-21 15:04 | 2025-08-27 16:12 | Acknowledged | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Acknowledged-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) NORTC not provided in the loan file. A borrower handwritten and signed letter of attestation stating they are waiving there right to Rescind is present in the file. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 Open- - Due Diligence Vendor-08/21/2025 |
Acknowledged-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) NORTC not provided in the loan file. A borrower handwritten and signed letter of attestation stating they are waiving there right to Rescind is present in the file. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5272565 | Investor Post-Close | No | ||||||
| 4126293 | XXXXXXX | XXXXXX | Closed | 2025-08-21 12:20 | 2025-08-27 16:12 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Acknowledged-TILA: NORTC Missing for one or more borrowers/vested parties The loan file is missing the NORTC form. A handwritten attestation from the borrower was provided, requesting to waive the waiting period. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 | Acknowledged-TILA: NORTC Missing for one or more borrowers/vested parties The loan file is missing the NORTC form. A handwritten attestation from the borrower was provided, requesting to waive the waiting period. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/21/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5269325 | Investor Post-Close | No | ||||||
| 6022635 | XXXXXXX | XXXXXX | Closed | 2025-08-23 10:27 | 2025-09-08 14:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/23/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 5292693 | Investor Post-Close | No | ||||||
| 4603692 | XXXXXXX | XXXXXX | Closed | 2025-09-20 10:15 | 2025-09-23 16:19 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received supplement. Condition cleared. - Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-Missing pay history for 1st lien. The current mortgage shows Closed on the credit report provided. - Due Diligence Vendor-09/20/2025 |
Resolved-Received supplement. Condition cleared. - Due Diligence Vendor-09/23/2025 |
Credit Supplement.pdf | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5610396 | N/A | N/A | |||||
| 4603692 | XXXXXXX | XXXXXX | Closed | 2025-09-17 08:46 | 2025-09-23 16:07 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/17/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/23/2025 |
HOI.pdf | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5566665 | N/A | N/A | |||||
| 1900436 | XXXXXXX | XXXXXX | Closed | 2025-08-31 08:31 | 2026-01-07 21:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/20/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-08/31/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/20/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/20/2025 |
Flood Insurance Policy.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5371765 | N/A | N/A | |||||
| 1900436 | XXXXXXX | XXXXXX | Closed | 2025-08-31 08:02 | 2025-09-20 07:31 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/16/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-08/31/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-09/20/2025 |
Flood Insurance Policy.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5371706 | N/A | N/A | |||||
| 6447495 | XXXXXXX | XXXXXX | Closed | 2025-09-08 07:51 | 2025-10-29 11:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document, there is no XXX dues on REO property XXX XXXXXXX XXX. - Buyer-09/10/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements. Loan file is missing XXX documentation for REO 3b on Final 1003. - Due Diligence Vendor-09/08/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 |
XXX XX XXXXX XXX, XXXXXXX, XX XXXXX _ XXXXXXX .pdf | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5445916 | N/A | N/A | |||||
| 6447495 | XXXXXXX | XXXXXX | Closed | 2025-08-23 10:27 | 2025-09-15 11:21 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Sufficient documentation received. - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document, there is no XXX dues on REO property XXX XXXXXXX XXX. - Buyer-09/10/2025 Open-XXX documentation for RE0 3b on Final 1003 is missing. - Due Diligence Vendor-08/23/2025 |
Resolved-Sufficient documentation received. - Due Diligence Vendor-09/15/2025 |
XXX XX XXXXX XXX, XXXXXXX, XX XXXXX _ XXXXXXX .pdf | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5292696 | N/A | N/A | |||||
| 4525784 | XXXXXXX | XXXXXX | Closed | 2025-09-29 14:55 | 2025-10-07 16:28 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing GL section 4-2-4-17 requires Credit Refresh (LQI) when lender uses credit report that is older than 45 days from the note date. Provided credit report is 61 days older and LQI is not provided in file. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/29/2025 |
Waived-Borrower 1 Gap Credit Report is Missing GL section 4-2-4-17 requires Credit Refresh (LQI) when lender uses credit report that is older than 45 days from the note date. Provided credit report is 61 days older and LQI is not provided in file. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/29/2025 |
Credit Score >1= 10+ Points more than qualifying 36+ Months 0x30 housing payment history No derogatory events |
WA | Primary Residence | Refinance | Cash Out - Other | 5708853 | Originator Pre-Close | Yes | |||||
| 4439683 | XXXXXXX | XXXXXX | Closed | 2025-09-17 13:36 | 2025-09-30 12:03 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/30/2025 Ready for Review-Document Uploaded. Please find to attached document to verify the existence of business at the time of closing. - Buyer-09/26/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/17/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/30/2025 |
Inoice and deposit proof against invoce for business existence.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5574132 | N/A | N/A | |||||
| 8872943 | XXXXXXX | XXXXXX | Closed | 2025-09-27 04:57 | 2025-09-30 13:55 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Credit Report is over 45 days prior to close. Guidelines require a gap credit report within 45 days of close. A lender exception is in file dated prior to consummation allowing the credit report be up to 60 days prior to close. Sufficient comp factors have been provided. - Due Diligence Vendor-09/27/2025 | Waived-Borrower 1 Gap Credit Report is Missing Credit Report is over 45 days prior to close. Guidelines require a gap credit report within 45 days of close. A lender exception is in file dated prior to consummation allowing the credit report be up to 60 days prior to close. Sufficient comp factors have been provided. - Due Diligence Vendor-09/27/2025 |
CLTV <5% below the max. DTI <5% below the max. Credit Score >/= 10 + points more than min. |
TX | Primary Residence | Refinance | Cash Out - Other | 5694040 | Originator Pre-Close | Yes | |||||
| 1550483 | XXXXXXX | XXXXXX | Closed | 2025-08-30 07:29 | 2025-09-20 08:45 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post incident inspection provided - Due Diligence Vendor-09/20/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/18/2025 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-08/30/2025 |
Resolved-Post incident inspection provided - Due Diligence Vendor-09/20/2025 Resolved-Post incident inspection provided - Due Diligence Vendor-09/20/2025 |
PCI Report.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5370121 | N/A | N/A | |||||
| 1550483 | XXXXXXX | XXXXXX | Closed | 2025-08-30 09:03 | 2025-09-17 09:31 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. PFA - Buyer-09/15/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-08/30/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-09/17/2025 |
E-consent.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5370293 | N/A | N/A | |||||
| 4221005 | XXXXXXX | XXXXXX | Closed | 2025-10-17 11:46 | 2025-10-31 15:12 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Waiver received for using credit report outside of guideline requirements - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-10/25/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/17/2025 |
Waived-Waiver received for using credit report outside of guideline requirements - Due Diligence Vendor-10/31/2025 |
Exception Form.pdf | CLTV 5% or more below qualifying Employment for an extended period oat the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 5933255 | Originator Pre-Close | Yes | ||||
| 4221005 | XXXXXXX | XXXXXX | Closed | 2025-10-17 11:46 | 2025-10-31 15:11 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver received for using credit report after guideline aging requirement. - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-10/25/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/17/2025 |
Waived-Waiver received for using credit report after guideline aging requirement. - Due Diligence Vendor-10/31/2025 |
Exception Form.pdf | CLTV 5% or more below qualifying Employment for an extended period oat the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 5933254 | Originator Pre-Close | Yes | ||||
| 9031732 | XXXXXXX | XXXXXX | Closed | 2025-10-07 14:15 | 2025-10-29 10:36 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception received for gap credit. - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-10/24/2025 Open-Borrower 1 Gap Credit Report is Missing. Guidelines require an LQI report to be in file if credit report is dated more than 45 days from Note Date. Credit Report in file is dated 48 days from Note Date. - Due Diligence Vendor-10/07/2025 |
Waived-Exception received for gap credit. - Due Diligence Vendor-10/29/2025 |
Exception Form.pdf | 1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than the qualifying. 3) No derogatory events. |
OR | Primary Residence | Refinance | Cash Out - Other | 5810108 | Originator Pre-Close | Yes | ||||
| 5261552 | XXXXXXX | XXXXXX | Closed | 2025-08-23 09:48 | 2025-09-15 10:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-sufficient documentation received. - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-The borrower has opened a new account (Liability #9) as indicated in the Final 1003. However, account statements are not yet available. This debt does not appear on credit report. Please provide the necessary supporting documents to proceed further. - Due Diligence Vendor-08/23/2025 |
Resolved-sufficient documentation received. - Due Diligence Vendor-09/15/2025 |
New debt Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5292555 | N/A | N/A | |||||
| 5261552 | XXXXXXX | XXXXXX | Closed | 2025-08-23 09:43 | 2025-09-15 10:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements. The borrower has opened a new account (Liability #9) as indicated in the Final 1003. However, account statements are not yet available. This debt does not appear on credit report. Please provide the necessary supporting documents to proceed further. - Due Diligence Vendor-08/23/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-09/15/2025 |
New debt Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5292540 | N/A | N/A | |||||
| 7458334 | XXXXXXX | XXXXXX | Closed | 2025-10-07 08:36 | 2025-10-07 08:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.95% exceeds Guideline DTI of 43% Exception in file for DTI above max of 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 | Waived-Audited DTI of 49.95% exceeds Guideline DTI of 43% Exception in file for DTI above max of 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5801110 | Originator Pre-Close | Yes | |||||
| 7458334 | XXXXXXX | XXXXXX | Closed | 2025-10-07 07:49 | 2025-10-07 07:49 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Exception in file for expired credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 | Waived-Borrower 1 Gap Credit Report is Missing Exception in file for expired credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5800358 | Originator Pre-Close | Yes | |||||
| 7458334 | XXXXXXX | XXXXXX | Closed | 2025-10-07 07:49 | 2025-10-07 07:49 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Exception in file for expired credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 | Waived-Borrower 2 Gap Credit Report is Missing Exception in file for expired credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/07/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5800359 | Originator Pre-Close | Yes | |||||
| 4513858 | XXXXXXX | XXXXXX | Closed | 2025-09-24 10:10 | 2025-09-24 10:10 | Waived | 2 - Non-Material | Credit | Missing Doc | VA - Missing Verification of VA Benefit, VA Form 26-8937 | Waived-Missing Verification of VA Benefit, VA Form 26-8937 Lender Exception in file to use the Certificate of Eligible to verify income in lieu of VA Award Letter. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/24/2025 | Waived-Missing Verification of VA Benefit, VA Form 26-8937 Lender Exception in file to use the Certificate of Eligible to verify income in lieu of VA Award Letter. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/24/2025 |
Employment for an extended period at the same job. No derogatory events. |
TX | Primary Residence | Refinance | Cash Out - Other | 5652351 | Originator Pre-Close | Yes | |||||
| 8989646 | XXXXXXX | XXXXXX | Closed | 2025-09-26 16:21 | 2025-10-04 13:29 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline states a credit refresh is required when the report is older than 45 days from the note date. The report in file is 50 days from the note date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/26/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Guideline states a credit refresh is required when the report is older than 45 days from the note date. The report in file is 50 days from the note date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/26/2025 |
1. Employment for an extended period at the same job. 2. 36+ Months 0x30 housing payment history. 3. No derogatory events. |
AZ | Primary Residence | Refinance | Cash Out - Other | 5692296 | Originator Pre-Close | Yes | |||||
| 2989939 | XXXXXXX | XXXXXX | Closed | 2025-09-27 21:50 | 2025-10-07 11:30 | Resolved | 1 - Information | Credit | Debt | No evidence of required debt payoff | Resolved-sufficient documentation received. - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Borrower has confirmed that she does not want to pay off any of the debt after CTC. Also, we have already submitted the document showing vehicle associated with installment a/c XXXXXXXX XXXXXX XXXXX #XXXXX is sold and this debt has been paid off. So please exclude the balance and monthly payment of XXXXXXXX XXXXXX XXXXX #XXXXX from DTI. - Buyer-10/02/2025 Open-The loan approval required payoff of 6 debts with total balance of $XX,XXX.XX. The consummation CD dated XX/XX/XXXX reflects of payoff of only 5 consumer debts with balance of $X,XXX.XX, the CD did not reflect payoff of debt with balance of $X,XXX ($X,XXX on the most recent credit report). However, the Post-Close CD dated XX/XX/XXXX as well as the Final ALTA Settlement Statement no longer reflect payoff of the 5 debts shown on the consummation CD. If payments on these debts are included, the resulting DTI is 52.02% which exceeds the Guideline maximum of 50%. - Due Diligence Vendor-09/28/2025 |
Resolved-sufficient documentation received. - Due Diligence Vendor-10/07/2025 |
Installment debt paid off.pdf | FL | Investment | Refinance | Cash Out - Other | 5695077 | N/A | N/A | |||||
| 2989939 | XXXXXXX | XXXXXX | Closed | 2025-09-27 22:00 | 2025-10-07 11:30 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Borrower has confirmed that she does not want to pay off any of the debt after CTC. Also, we have already submitted the document showing vehicle associated with installment a/c XXXXXXXX XXXXXX XXXXXX #XXXXX is sold and this debt has been paid off. So please exclude the balance and monthly payment of XXXXXXXX XXXXXX XXXXX #XXXXX from DTI. - Buyer-10/02/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of required debt payoff. - Due Diligence Vendor-09/28/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/07/2025 |
Installment debt paid off.pdf | FL | Investment | Refinance | Cash Out - Other | 5695079 | N/A | N/A | |||||
| 2989939 | XXXXXXX | XXXXXX | Closed | 2025-09-27 22:00 | 2025-10-07 11:30 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements documentation received. - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-10/02/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing rental income from XXXXXXX, XXXXXXX or other source to support income on subject rental property. - Due Diligence Vendor-09/28/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-10/02/2025 |
Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements documentation received. - Due Diligence Vendor-10/07/2025 |
Third Party Rent Estimate.pdf | FL | Investment | Refinance | Cash Out - Other | 5695080 | N/A | N/A | ||||
| 2989939 | XXXXXXX | XXXXXX | Closed | 2025-09-27 21:45 | 2025-10-07 11:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rental Income Documentation for Subject Property | Resolved-Received. - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-Missing Rental Income Documentation for Subject Property. Per Guidelines, for investment properties where income is derived from the subject property, all of the following will be required: a) the current lease agreement, 2) the most recent year of signed federal tax returns, including Schedule 1 and Schedule # and 3) rental estimate from a third party such as XXXXXX, XXXXXX or similar (dated within 90 days). A copy of the current lease agreement borrower's most recent tax returns were in the loan file. The tax returns do not reflect rental income as the subject property was borrower's former primary residence. A copy of a rental estimate from XXXXXX, XXXXXX or other sources was not found in the loan file. - Due Diligence Vendor-09/28/2025 |
Resolved-Received. - Due Diligence Vendor-10/07/2025 |
Third Party Rent Estimate.pdf | FL | Investment | Refinance | Cash Out - Other | 5695075 | N/A | N/A | |||||
| 7098082 | XXXXXXX | XXXXXX | Closed | 2025-09-11 07:04 | 2025-09-18 09:13 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 47.64% exceeds Guideline DTI of 45% Exception for DTI exceeding 45%. - Due Diligence Vendor-09/11/2025 |
Waived-Audited DTI of 47.64% exceeds Guideline DTI of 45% Exception for DTI exceeding 45%. - Due Diligence Vendor-09/11/2025 |
Compensating factors: i) Employed with same employed 22 Y 8 M verified. ii) 36+ months housing history verified. iii)No derogatory events verified. | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5496894 | Originator Pre-Close | Yes | |||||
| 3168425 | XXXXXXX | XXXXXX | Closed | 2025-10-02 12:08 | 2025-10-13 12:01 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.38% exceeds Guideline DTI of 43% Lender provided exception to go over 43% DTI with LTV over 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/02/2025 | Waived-Audited DTI of 49.38% exceeds Guideline DTI of 43% Lender provided exception to go over 43% DTI with LTV over 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/02/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
FL | Primary Residence | Refinance | Cash Out - Other | 5754503 | Originator Pre-Close | Yes | |||||
| 3168425 | XXXXXXX | XXXXXX | Closed | 2025-10-02 11:20 | 2025-10-13 11:59 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender provided exception to allow 9 days extension on credit before LQI required to accommodate closing. Credit report expired XX/XXXX and loan to close on XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/02/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender provided exception to allow 9 days extension on credit before LQI required to accommodate closing. Credit report expired XX/XX and loan to close on XX/XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/02/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
FL | Primary Residence | Refinance | Cash Out - Other | 5753448 | Originator Pre-Close | Yes | |||||
| 8157078 | XXXXXXX | XXXXXX | Closed | 2025-09-12 09:43 | 2025-09-12 10:01 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Securitized Review: SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-09/12/2025 |
Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) Securitized Review: SFA Position - B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-09/12/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 5515412 | Investor Post-Close | No | ||||||
| 9631420 | XXXXXXX | XXXXXX | Closed | 2025-09-07 17:31 | 2025-10-13 14:59 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-10/13/2025 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-10/13/2025 Ready for Review-Document Uploaded. Please see attached e-consent - Seller-10/13/2025 Counter-The appraisal was provided electronically before the borrower consented to receive the appraisal electronically. - Due Diligence Vendor-10/08/2025 Ready for Review-Appraisal needs to be delivered to borrower 3 days prior to closing, and as per e-consent dated XX/XX, if we consider appraisal to be delivered on XX/XX/XXXX, we are still in compliance. Can you please elaborate what the issue here? - Buyer-10/06/2025 Counter-E consent dated XX/XX/XXXX, which is after appraisal delivery of XX/XX/XXXX. - Due Diligence Vendor-10/03/2025 Ready for Review-Document Uploaded. PFA e-consent - Seller-10/01/2025 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-09/22/2025 |
Ready for Review-Document Uploaded. Please see attached e-consent - Seller-10/13/2025 Ready for Review-Document Uploaded. PFA e-consent - Seller-10/01/2025 |
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-10/13/2025 |
E-Consent - XXXXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5443394 | N/A | N/A | ||||
| 9631420 | XXXXXXX | XXXXXX | Closed | 2025-09-08 01:19 | 2025-10-13 14:58 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/03/2025 Ready for Review-Document Uploaded. PFA e-consent - Buyer-10/01/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-09/08/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/03/2025 |
E-consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5444143 | N/A | N/A | |||||
| 5216027 | XXXXXXX | XXXXXX | Closed | 2025-09-19 07:13 | 2025-10-09 11:11 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/07/2025 Open-Master Policy Expiration Date of XX/XX/XXXX is Prior To the Transaction Date of XX/XX/XXXX - Due Diligence Vendor-09/29/2025 |
Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-10/09/2025 |
XXXX - XXXXX XXXXXXXXXX - COI.pdf | CA | Investment | Refinance | Cash Out - Other | 5597615 | N/A | N/A | |||||
| 4416554 | XXXXXXX | XXXXXX | Closed | 2025-09-06 12:51 | 2025-12-15 14:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing supporting documentation to validate balance of $XXXXX and payment of $XXX.XX for liability reported per final application. - Due Diligence Vendor-09/06/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/07/2025 |
New account Statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5440096 | N/A | N/A | |||||
| 4416554 | XXXXXXX | XXXXXX | Closed | 2025-09-06 13:07 | 2025-10-09 12:38 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached NRTC - Buyer-10/08/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties TILA: NORTC Missing for Borrower and Non-Borrowing vested party - Due Diligence Vendor-09/06/2025 |
Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/09/2025 |
NORTC.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5440188 | N/A | N/A | |||||
| 4416554 | XXXXXXX | XXXXXX | Closed | 2025-09-06 12:51 | 2025-10-07 10:17 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-10/07/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-Missing supporting documentation to validate balance of $XXXXX and payment of $XXX.XX for liability reported per final application. - Due Diligence Vendor-09/06/2025 |
Resolved-Received. - Due Diligence Vendor-10/07/2025 |
New account Statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5440099 | N/A | N/A | |||||
| 4106267 | XXXXXXX | XXXXXX | Closed | 2025-08-29 23:12 | 2025-08-29 23:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/30/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/30/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 5369553 | Investor Post-Close | No | ||||||
| 3881619 | XXXXXXX | XXXXXX | Closed | 2025-09-27 03:27 | 2025-10-09 09:56 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/03/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/27/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/09/2025 |
HOI.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5693987 | N/A | N/A | |||||
| 3362878 | XXXXXXX | XXXXXX | Closed | 2025-09-07 09:00 | 2025-10-31 13:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-finding is non-material - Due Diligence Vendor-10/31/2025 Acknowledged-Finding is non-material - Due Diligence Vendor-10/03/2025 Ready for Review-Document Uploaded. PFA. - Buyer-10/01/2025 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-09/07/2025 |
Acknowledged-finding is non-material - Due Diligence Vendor-10/31/2025 Acknowledged-Finding is non-material - Due Diligence Vendor-10/03/2025 |
Privacy Policy.pdf | MD | Investment | Refinance | Cash Out - Other | 5442398 | Investor Post-Close | No | |||||
| 3362878 | XXXXXXX | XXXXXX | Closed | 2025-09-23 11:24 | 2025-10-29 11:58 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/01/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/30/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of XXXXXX XXXXXXX monthly payment amount. - Due Diligence Vendor-09/23/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/01/2025 |
XXXXXX XXXXXXX document.pdf | MD | Investment | Refinance | Cash Out - Other | 5636344 | N/A | N/A | |||||
| 3362878 | XXXXXXX | XXXXXX | Closed | 2025-09-23 11:24 | 2025-10-01 12:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing XXXXXXX/XXXXXX XXXXXXX Documentation | Resolved-received. - Due Diligence Vendor-10/01/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/30/2025 Open-Missing verification of the amount of XXXXXXX/XXXXXX XXXXXXX. - Due Diligence Vendor-09/23/2025 |
Resolved-received. - Due Diligence Vendor-10/01/2025 |
XXXXXX XXXXXXX document.pdf | MD | Investment | Refinance | Cash Out - Other | 5636370 | N/A | N/A | |||||
| 7491569 | XXXXXXX | XXXXXX | Closed | 2025-09-10 14:02 | 2025-09-27 14:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/10/2025 |
WA | Investment | Refinance | Cash Out - Other | 5489480 | Investor Post-Close | No | ||||||
| 7218170 | XXXXXXX | XXXXXX | Closed | 2025-09-06 06:40 | 2026-01-07 22:07 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/01/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/30/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-09/06/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/01/2025 |
account statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5438758 | N/A | N/A | |||||
| 7218170 | XXXXXXX | XXXXXX | Closed | 2025-09-06 08:35 | 2025-10-01 12:21 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-10/01/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/30/2025 Open-Documentation is missing for Liability # 8 on Credit Liabilities page to verify the payments, hence it included for DTI and finding added for Supporting Documents - Due Diligence Vendor-09/06/2025 |
Resolved-Received - Due Diligence Vendor-10/01/2025 |
account statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5439168 | N/A | N/A | |||||
| 7449948 | XXXXXXX | XXXXXX | Closed | 2025-10-15 12:45 | 2025-10-15 12:45 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend credit report expiration 60 days to allow for closing. Credit Report in file is dated 51 days prior to Note Date. No LQI report in file. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/15/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend credit report expiration 60 days to allow for closing. Credit Report in file is dated 51 days prior to Note Date. No LQI report in file. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/15/2025 |
Compensating Factors: 1) Employment for an extended period at the same job. 2) No derogatory events. |
IA | Primary Residence | Refinance | Cash Out - Other | 5905647 | Originator Pre-Close | Yes | |||||
| 6754756 | XXXXXXX | XXXXXX | Closed | 2025-10-11 09:32 | 2025-10-29 12:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/29/2025 Ready for Review-VVOE is dated XX/XX/XXXX and is valid till XX/XX/XXXX, however closing date is XX/XX/XXXX. - Buyer-10/24/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-10/11/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-10/29/2025 |
VVOE.pdf | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5864852 | N/A | N/A | |||||
| 6754756 | XXXXXXX | XXXXXX | Closed | 2025-10-11 09:30 | 2025-10-29 10:57 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception for gap credit report received. - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-10/24/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/11/2025 |
Waived-Exception for gap credit report received. - Due Diligence Vendor-10/29/2025 |
Exception Form.pdf | Credit score > 10 points above qualifying 36 mo 0x30 housing history. |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5864844 | Originator Pre-Close | Yes | ||||
| 6754756 | XXXXXXX | XXXXXX | Closed | 2025-10-11 09:32 | 2025-10-29 10:55 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. VVOE is dated XX/XX/XXXX and is valid till XX/XX/XXXX, however closing date is XX/XX/XXXX - Buyer-10/24/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/11/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/29/2025 |
VVOE.pdf | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5864851 | N/A | N/A | |||||
| 3327882 | XXXXXXX | XXXXXX | Closed | 2025-09-06 15:54 | 2025-10-09 09:35 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. PFA e-consent for initial disclosures - Buyer-10/02/2025 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower. E-Signed Disclosure Date is XX/XX/XXXX vs Borrower provided consent on XX/XX/XXXX. - Due Diligence Vendor-09/06/2025 |
Resolved-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-10/09/2025 |
certificate (1).pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5440617 | N/A | N/A | |||||
| 3327882 | XXXXXXX | XXXXXX | Closed | 2025-09-06 16:33 | 2025-09-23 19:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Letter of Explanation (Excessive Inquiries) | Resolved-LOX received. - Due Diligence Vendor-09/24/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-Missing LOE for Excessive Inquiries As per GL section 4-2-4-14, Inquiry letter addressing all inquiries in the most recent 90 days is required. File is missing with same for inquiries dated XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-09/06/2025 |
Resolved-LOX received. - Due Diligence Vendor-09/24/2025 |
LOE Inq.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5440700 | N/A | N/A | |||||
| 7429662 | XXXXXXX | XXXXXX | Closed | 2025-09-28 11:24 | 2025-09-29 08:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/28/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/28/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 5695565 | Investor Post-Close | No | ||||||
| 2347686 | XXXXXXX | XXXXXX | Closed | 2025-09-10 16:11 | 2025-09-17 09:37 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-09/17/2025 Ready for Review-Document Uploaded. PFA signed CD - Buyer-09/15/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-09/10/2025 Open- - Due Diligence Vendor-09/10/2025 |
Resolved-Resolved - Due Diligence Vendor-09/17/2025 |
Signed CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5492157 | N/A | N/A | |||||
| 8942098 | XXXXXXX | XXXXXX | Closed | 2025-10-09 12:44 | 2025-11-11 09:28 | Cured | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured-Lender provided the new NORTC and rescission has expired. Condition cleared. - Due Diligence Vendor-11/11/2025 Ready for Review-Please clear the condition, Borrower didn't rescind and Recession period has ended. - Seller-11/11/2025 Counter-Lender provided the new NORTC. Please resubmit the condition for review after the rescission period has expired as proof the borrower did not rescind. Condition maintained. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-11/05/2025 Counter-Please provide a copy of the NORTC provided to the borrower. The documents uploaded only include the cover letter and proof of shipment. Additionally, this finding cannot be reviewed until the rescission period has passed. Condition maintained. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please see attached revised NRTC, with proof of delivery - Seller-11/04/2025 Counter-The NORTC signed by the borrower reflects a Transaction Date of XX/XX/XXXX and Cancel Date of XX/XX/XXXX. However, the actual Transaction Date is XX/XX/XXXX with a Cancel Date of XX/XX/XXXX. Rescission must be re-opened. Condition maintained. - Due Diligence Vendor-10/23/2025 Ready for Review-Document Uploaded. The closing docs were signed on XX/XX/XXXX, according to which recession will end on XX/XX/XXXX and fund on XX/XX/XXXX, which is exactly happened on this. Please also see signed SS confirming the same - Seller-10/23/2025 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Rescission must be reopened. - Due Diligence Vendor-10/09/2025 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-10/09/2025 |
Ready for Review-Please clear the condition, Borrower didn't rescind and Recession period has ended. - Seller-11/11/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-11/05/2025 Ready for Review-Document Uploaded. Please see attached revised NRTC, with proof of delivery - Seller-11/04/2025 Ready for Review-Document Uploaded. The closing docs were signed on XX/XX/XXXX, according to which recession will end on XX/XX/XXXX and fund on XX/XX/XXXX, which is exactly happened on this. Please also see signed SS confirming the same - Seller-10/23/2025 |
Cured-Lender provided the new NORTC and rescission has expired. Condition cleared. - Due Diligence Vendor-11/11/2025 |
Delivery Proof.pdf XXXXX - NRTC.pdf XXXXX RTC Cover Letter.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 5840869 | N/A | N/A | ||||
| 8942098 | XXXXXXX | XXXXXX | Closed | 2025-10-02 10:45 | 2025-10-09 12:43 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: NORTC Not Executed by one or more borrowers/vested parties | Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached NORTC - Seller-10/09/2025 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. - Due Diligence Vendor-10/02/2025 |
Ready for Review-Document Uploaded. Please see attached NORTC - Seller-10/09/2025 |
Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-10/09/2025 |
NORTC.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5751746 | N/A | N/A | ||||
| 1367379 | XXXXXXX | XXXXXX | Closed | 2025-09-10 14:14 | 2025-10-06 12:43 | Resolved | 1 - Information | Compliance | TRID | Information required for CD 'Loan Disclosures' Escrow Account section not completed or completed in error | Resolved-Revised PCCD received. - Due Diligence Vendor-10/06/2025 Ready for Review-Document Uploaded. Please see attached corrected PCCD - Buyer-10/02/2025 Open-Information required for CD 'Loan Disclosures' Escrow Account section not completed or completed in error Escrow Account section is completed in error. Final CD is showing a monthly escrow payment but there is no escrow account. - Due Diligence Vendor-09/10/2025 |
Resolved-Revised PCCD received. - Due Diligence Vendor-10/06/2025 |
PCCD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5489667 | N/A | N/A | |||||
| 9658296 | XXXXXXX | XXXXXX | Closed | 2025-09-20 08:46 | 2025-09-23 18:01 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-. - Due Diligence Vendor-09/23/2025 Resolved-Post incident inspection not required. - Due Diligence Vendor-09/23/2025 Ready for Review-Subject property county is not listed in any disaster declaration in last 6 months as per XXXX website. - Buyer-09/23/2025 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-09/20/2025 |
Resolved-. - Due Diligence Vendor-09/23/2025 Resolved-Post incident inspection not required. - Due Diligence Vendor-09/23/2025 |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5610124 | N/A | N/A | ||||||
| 3160886 | XXXXXXX | XXXXXX | Closed | 2025-10-14 09:49 | 2025-10-14 09:49 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for extension due to credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/14/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for extension due to credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/14/2025 |
Compensating Factors: 1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. 3) Employment for an extended period at the same job. |
TX | Primary Residence | Refinance | Cash Out - Other | 5886377 | Originator Pre-Close | Yes | |||||
| 3160886 | XXXXXXX | XXXXXX | Closed | 2025-10-14 09:49 | 2025-10-14 09:49 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for extension due to credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/14/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for extension due to credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/14/2025 |
Compensating Factors: 1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. 3) Employment for an extended period at the same job. |
TX | Primary Residence | Refinance | Cash Out - Other | 5886378 | Originator Pre-Close | Yes | |||||
| 1759862 | XXXXXXX | XXXXXX | Closed | 2025-09-22 15:45 | 2025-09-23 16:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-XXX info provided. Condition cleared. - Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-09/22/2025 |
Resolved-XXX info provided. Condition cleared. - Due Diligence Vendor-09/23/2025 |
XXX statement.pdf | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5625806 | N/A | N/A | |||||
| 1759862 | XXXXXXX | XXXXXX | Closed | 2025-09-22 15:47 | 2025-09-23 16:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/23/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-09/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/23/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing evidence of XXX dues for the subject property. - Due Diligence Vendor-09/22/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-09/23/2025 |
XXX statement.pdf | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5625855 | N/A | N/A | |||||
| 1399227 | XXXXXXX | XXXXXX | Closed | 2025-09-19 07:51 | 2025-11-18 12:46 | Cured | 2 - Non-Material | Compliance | Payment:1stPayment | [redacted] - First Payment Date (Non-Purchase) | Cured-Lender provided evidence rescission was re-opened and Note was re-signed. Final CD correctly reflected interest through XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached NOTE and recession docs. - Seller-11/18/2025 Counter-Interest collected at close was incorrectly based on XX/XX/XXXX first payment. Loan must be redisclosed with corrected interest, a new note must me wet signed by the borrower, and rescission must be reopened. - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached corrected NOTE - Seller-10/02/2025 Counter-Under the [redacted] Constitution, the loan must be scheduled to be repaid beginning no later than two months from the date the extension of credit is made. The two month time period contained in Section 50(a)(6)(L)(i) begins on the date of closing (XX/XX/XXXX). Two months from the date of closing is (XX/XX/XXXX). The first payment date of (XX/XX/XXXX) is more than two months from the date the extension of credit is made. (Tex. Const. Art. XVI Secs. 50(a)(6)(L), (t)(8); 7 TX ADC 153.11) - Due Diligence Vendor-09/30/2025 Ready for Review-Is there a condition on this? - Seller-09/30/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please see attached NOTE and recession docs. - Seller-11/18/2025 Ready for Review-Document Uploaded. Please see attached corrected NOTE - Seller-10/02/2025 Ready for Review-Is there a condition on this? - Seller-09/30/2025 |
Cured-Lender provided evidence rescission was re-opened and Note was re-signed. Final CD correctly reflected interest through XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
Heed Label (1).pdf Heed - NRTC.pdf HEED Delivery Proof.pdf XXXXX Heed- NOTE.pdf XXXXX RTC Cover Letter (1).pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 5598010 | N/A | N/A | ||||
| 7969183 | XXXXXXX | XXXXXX | Closed | 2025-09-08 15:03 | 2025-09-20 07:44 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/20/2025 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/20/2025 Ready for Review-Document Uploaded. Subject property is in PA state and in PA state we don't have tax documents. We can calculate taxes based on mortgage statement if taxes and insurance are escrowed or we can consider it from property profile report. Taxes consider $XXX.XX (Escrow amount showing on mortgage statement $XXX.XX - HOI premium $XX.XX) in encompass is as per mortgage statement and is higher than the taxes verified from the property profile. Hence there should not be any concern. - Buyer-09/16/2025 Open-Missing Evidence of Property Tax - Due Diligence Vendor-09/08/2025 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/20/2025 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/20/2025 |
Property profile.pdf Mortgage statement.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 5456228 | N/A | N/A | |||||
| 3603973 | XXXXXXX | XXXXXX | Closed | 2025-09-18 15:20 | 2025-09-18 15:25 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 44.34% exceeds Guideline DTI of 43% Lender exception in file for 45% DTI with 85% LTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/18/2025 | Waived-Audited DTI of 44.34% exceeds Guideline DTI of 43% Lender exception in file for 45% DTI with 85% LTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/18/2025 |
1) Employment for an extended period at the same job. 2) 36_ Months 0x30 housing payment history. |
FL | Primary Residence | Refinance | Cash Out - Other | 5592395 | Originator Pre-Close | Yes | |||||
| 3943949 | XXXXXXX | XXXXXX | Closed | 2025-10-10 08:53 | 2026-05-14 07:58 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Received a lender exception, dated prior to consummation, and all compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-05/14/2026 Waived-Received a lender exception, dated prior to consummation, and all compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-11/05/2025 Open-Audited DTI of 46.93% exceeds Guideline DTI of 43% - Due Diligence Vendor-10/10/2025 |
Waived-Received a lender exception, dated prior to consummation, and all compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-05/14/2026 Waived-Received a lender exception, dated prior to consummation, and all compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-11/05/2025 |
Exception Form.pdf | 36+ months 0x30 housing payment history minimal debts - $XXX |
CA | Primary Residence | Refinance | Cash Out - Other | 5851694 | Originator Pre-Close | Yes | ||||
| 6006857 | XXXXXXX | XXXXXX | Closed | 2025-10-13 07:37 | 2025-10-31 15:32 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver received for credit report age outside of GLs. - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached Exception Form. - Buyer-10/26/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/13/2025 |
Waived-Waiver received for credit report age outside of GLs. - Due Diligence Vendor-10/31/2025 |
Exception Form.pdf | Employment for extended period of time at same job 36 mo 0x30 |
FL | Primary Residence | Refinance | Cash Out - Other | 5869811 | Originator Pre-Close | Yes | ||||
| 9058068 | XXXXXXX | XXXXXX | Closed | 2025-10-18 05:31 | 2025-12-10 14:59 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received XXX verification and docs with adjusted income. Condition cleared. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. - Buyer-12/09/2025 Ready for Review-Document Uploaded. XXX dues for subject property has been verified. Please find the attached XXX, revised income calculation worksheet, 1008 & 1003. - Buyer-12/09/2025 Open-Missing supporting document to verify XXX for subject property. - Due Diligence Vendor-10/18/2025 |
Resolved-Received XXX verification and docs with adjusted income. Condition cleared. - Due Diligence Vendor-12/10/2025 |
income worksheet.pdf 1003.pdf 1008.pdf XXX.pdf |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5939739 | N/A | N/A | |||||
| 1048171 | XXXXXXX | XXXXXX | Closed | 2025-11-24 11:01 | 2025-11-24 11:32 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Exception to allow credit report good for 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/24/2025 | Waived-Borrower 1 Gap Credit Report is Missing Exception to allow credit report good for 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/24/2025 |
FICO 10 points above requirement; 36+ Months 0x30 housing payment history | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6366305 | Originator Pre-Close | Yes | |||||
| 1219057 | XXXXXXX | XXXXXX | Closed | 2025-09-17 09:40 | 2025-09-19 09:42 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 43.36% exceeds Guideline DTI of 43% Exception in file for DTI exceeding cap for qualifying FICO per guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/17/2025 | Waived-Audited DTI of 43.36% exceeds Guideline DTI of 43% Exception in file for DTI exceeding cap for qualifying FICO per guidelines. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/17/2025 |
The following compensating factors are met 1.Employment of 5 years on the same job 2.36+ Months 0x30 housing payment history |
PA | Primary Residence | Refinance | Cash Out - Other | 5567928 | Originator Pre-Close | Yes | |||||
| 4659669 | XXXXXXX | XXXXXX | Closed | 2025-10-10 15:34 | 2025-10-23 09:52 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided a final Settlement Statement reflecting a disbursement date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-10/23/2025 Resolved-Resolved - Due Diligence Vendor-10/23/2025 Ready for Review-Document Uploaded. This was a split signing case, and 2nd party signed the docs on XX/XX/XXXX, according to which the recession would end on XX/XX/XXXX and funding would be on XX/XX/XXXX, which is exactly what happened on this file. Please see attached FSS for reference. - Buyer-10/23/2025 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-10/10/2025 Open- - Due Diligence Vendor-10/13/2025 Open- - Due Diligence Vendor-10/10/2025 Open- - Due Diligence Vendor-10/10/2025 Open- - Due Diligence Vendor-10/10/2025 |
Resolved-Lender provided a final Settlement Statement reflecting a disbursement date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-10/23/2025 Resolved-Resolved - Due Diligence Vendor-10/23/2025 |
Final SS.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5861325 | N/A | N/A | |||||
| 7039475 | XXXXXXX | XXXXXX | Closed | 2025-09-30 06:35 | 2025-10-10 12:35 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/10/2025 Ready for Review-Document Uploaded. Please see attached E-consent - Buyer-10/09/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-09/30/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/10/2025 |
E-consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5714455 | N/A | N/A | |||||
| 2244294 | XXXXXXX | XXXXXX | Closed | 2025-10-03 08:23 | 2025-10-03 08:23 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.51% exceeds Guideline DTI of 43% Lender exception in file for DTI to go above 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/03/2025 | Waived-Audited DTI of 49.51% exceeds Guideline DTI of 43% Lender exception in file for DTI to go above 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/03/2025 |
1) Credit Score>/= 10+ Points more than qualifying. 2) No derogatory events. |
PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5764134 | Originator Pre-Close | Yes | |||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 20:01 | 2025-10-30 13:02 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 69.87% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached mortgage statement. As per attached mortgage statement, unpaid balance of 1st lien is $XXX,XXX.XX and CLTV/HCLTV is 69.997% which is under allowed limit. - Seller-10/22/2025 Open-Audited CLTV of 76.74% exceeds Guideline CLTV of 70% with a 662 score and DTI of 47.43%. - Due Diligence Vendor-09/22/2025 |
Ready for Review-Document Uploaded. Please find the attached mortgage statement. As per attached mortgage statement, unpaid balance of 1st lien is $XXX,XXX.XX and CLTV/HCLTV is 69.997% which is under allowed limit. - Seller-10/22/2025 |
Resolved-Audited CLTV of 69.87% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-10/29/2025 |
Mortgage Payment History.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5562538 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 20:01 | 2025-10-30 13:02 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 69.87% is less than or equal to Guideline HCLTV of 70% - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached mortgage statement. As per attached mortgage statement, unpaid balance of 1st lien is $XXX,XXX.XX and CLTV/HCLTV is 69.997% which is under allowed limit. - Seller-10/22/2025 Open-Audited HLTV of 76.74% exceeds Guideline HCLTV of 70% - Due Diligence Vendor-09/17/2025 |
Ready for Review-Document Uploaded. Please find the attached mortgage statement. As per attached mortgage statement, unpaid balance of 1st lien is $XXX,XXX.XX and CLTV/HCLTV is 69.997% which is under allowed limit. - Seller-10/22/2025 |
Resolved-Audited HLTV of 69.87% is less than or equal to Guideline HCLTV of 70% - Due Diligence Vendor-10/29/2025 |
Mortgage Payment History.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5562539 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 19:39 | 2025-10-02 14:08 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA CD - Seller-10/01/2025 Open-TRID: Missing Final Closing Disclosure Compliance will be re-reviewed upon receipt of final CD. Additional conditions may apply. - Due Diligence Vendor-09/17/2025 |
Ready for Review-Document Uploaded. PFA CD - Seller-10/01/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/02/2025 |
CD.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5562470 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-10-02 14:06 | 2025-10-02 14:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-10/02/2025 Open-You submitted a Last Closing Disclosure Received Date (XX/XX/XXXX) earlier than the Last Closing Disclosure Date Issued (XX/XX/XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-10/02/2025 |
Resolved-Resolved - Due Diligence Vendor-10/02/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 5756841 | N/A | N/A | ||||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 17:08 | 2025-10-02 14:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application - Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA 1003 - Buyer-10/01/2025 Open-The Final 1003 is Not Executed - Due Diligence Vendor-09/16/2025 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/02/2025 |
1003.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5561562 | N/A | N/A | |||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 19:16 | 2025-10-02 14:02 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing | Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA - Seller-10/01/2025 Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. Receipt of copies missing - Due Diligence Vendor-09/17/2025 |
Ready for Review-Document Uploaded. PFA - Seller-10/01/2025 |
Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-10/02/2025 |
Receipt of copies.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5562392 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 19:16 | 2025-10-02 14:02 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA - Seller-10/01/2025 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. Borrower signature is missing. - Due Diligence Vendor-09/17/2025 |
Ready for Review-Document Uploaded. PFA - Seller-10/01/2025 |
Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-10/02/2025 |
Fair Market Value.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5562393 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 17:02 | 2025-10-02 14:00 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA NOTE - Seller-10/01/2025 Open-The Note is Not Executed - Due Diligence Vendor-09/16/2025 |
Ready for Review-Document Uploaded. PFA NOTE - Seller-10/01/2025 |
Resolved-The Note is Executed - Due Diligence Vendor-10/02/2025 |
NOTE.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5561381 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 17:50 | 2025-10-02 13:59 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. PFA NRTC - Seller-10/01/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-09/16/2025 |
Ready for Review-Document Uploaded. PFA NRTC - Seller-10/01/2025 |
Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/02/2025 |
NRTC.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5561974 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-16 17:50 | 2025-10-02 13:59 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/02/2025 Ready for Review-Document Uploaded. Please see attached e-consent Form - Seller-10/01/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-09/16/2025 |
Ready for Review-Document Uploaded. Please see attached e-consent Form - Seller-10/01/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/02/2025 |
E-consent.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5561976 | N/A | N/A | ||||
| 1123388 | XXXXXXX | XXXXXX | Closed | 2025-09-17 06:10 | 2025-09-17 06:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. - Due Diligence Vendor-09/17/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. - Due Diligence Vendor-09/17/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 5564767 | Investor Post-Close | No | ||||||
| 9471877 | XXXXXXX | XXXXXX | Closed | 2025-10-08 14:38 | 2025-10-31 09:26 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing As per GL section 4-2-4-17 Credit Refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. LQI AFTER 60 DAYS VS 45. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/08/2025 | Waived-Borrower 1 Gap Credit Report is Missing As per GL section 4-2-4-17 Credit Refresh (LQI) is necessary when the lender uses a credit report that is older than 45 days from the note date. LQI AFTER 60 DAYS VS 45. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/08/2025 |
1.Employed at the same job for 26 Years 2.36+ Months 0x30 housing payment history |
NC | Primary Residence | Refinance | Cash Out - Other | 5826506 | Originator Pre-Close | Yes | |||||
| 9317892 | XXXXXXX | XXXXXX | Closed | 2025-10-23 09:06 | 2025-10-23 09:09 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Exception in file to allow 5-day extension on credit report expiration to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Exception in file to allow 5-day extension on credit report expiration to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5987200 | Originator Pre-Close | Yes | |||||
| 9317892 | XXXXXXX | XXXXXX | Closed | 2025-10-23 09:06 | 2025-10-23 09:09 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender Exception in file to allow 5-day extension on credit report expiration to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender Exception in file to allow 5-day extension on credit report expiration to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5987201 | Originator Pre-Close | Yes | |||||
| 6879297 | XXXXXXX | XXXXXX | Closed | 2025-09-28 09:44 | 2025-10-01 12:48 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Property is more 10 Acres. As per GL section 4-3-1, Properties with more than 10 Acres are ineligible. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/28/2025 | Waived-Property type is ineligible due to Property is more 10 Acres. As per GL section 4-3-1, Properties with more than 10 Acres are ineligible. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-09/28/2025 |
Employment for an extended period at the same job No derogatory events |
MI | Primary Residence | Refinance | Cash Out - Other | 5695440 | Originator Pre-Close | Yes | |||||
| 1221505 | XXXXXXX | XXXXXX | Closed | 2025-11-17 11:22 | 2025-11-17 11:22 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception file to go to 60 days for credit report without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/17/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception file to go to 60 days for credit report without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/17/2025 |
1) 36+ Months 0x30 housing payment history. 2) Minimal debts/ Revolving accounts. |
CA | Primary Residence | Refinance | Cash Out - Other | 6274862 | Originator Pre-Close | Yes | |||||
| 1221505 | XXXXXXX | XXXXXX | Closed | 2025-11-17 11:22 | 2025-11-17 11:22 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception file to go to 60 days for credit report without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/17/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception file to go to 60 days for credit report without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/17/2025 |
1) 36+ Months 0x30 housing payment history. 2) Minimal debts/ Revolving accounts. |
CA | Primary Residence | Refinance | Cash Out - Other | 6274863 | Originator Pre-Close | Yes | |||||
| 5243955 | XXXXXXX | XXXXXX | Closed | 2025-09-19 11:05 | 2025-10-09 12:47 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/09/2025 Ready for Review-Document Uploaded. Please see attached NORTC - Buyer-10/09/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties NORTC is missing for Borrower 1 and Borrower 2. - Due Diligence Vendor-09/19/2025 |
Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/09/2025 |
NORTC.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 5603143 | N/A | N/A | |||||
| 1682517 | XXXXXXX | XXXXXX | Closed | 2025-10-20 13:05 | 2025-10-20 13:05 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend credit report expiration by 1 day to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/20/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend credit report expiration by 1 day to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/20/2025 |
Compensating Factors: 1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. |
CA | Primary Residence | Refinance | Cash Out - Other | 5949224 | Originator Pre-Close | Yes | |||||
| 1682517 | XXXXXXX | XXXXXX | Closed | 2025-10-20 13:05 | 2025-10-20 13:05 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend credit report expiration by 1 day to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/20/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend credit report expiration by 1 day to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/20/2025 |
Compensating Factors: 1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. |
CA | Primary Residence | Refinance | Cash Out - Other | 5949225 | Originator Pre-Close | Yes | |||||
| 4949121 | XXXXXXX | XXXXXX | Closed | 2025-12-11 08:44 | 2025-12-11 08:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/11/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/11/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6582683 | Investor Post-Close | No | ||||||
| 9626096 | XXXXXXX | XXXXXX | Closed | 2025-10-28 14:26 | 2026-05-12 08:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/03/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE is expired (11 business days from Note date) - Due Diligence Vendor-10/28/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/04/2025 |
[redacted] VVOE.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 6042618 | N/A | N/A | |||||
| 9626096 | XXXXXXX | XXXXXX | Closed | 2025-10-05 09:49 | 2025-11-04 14:00 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/03/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE is expired (11 business days from Note date) - Due Diligence Vendor-10/05/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/04/2025 |
[redacted] VVOE.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5777024 | N/A | N/A | |||||
| 9626096 | XXXXXXX | XXXXXX | Closed | 2025-10-05 10:46 | 2025-10-28 14:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.35% exceeds Guideline DTI of 43% Lender Exception in file to go above 43% DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/28/2025 | Waived-Audited DTI of 49.35% exceeds Guideline DTI of 43% Lender Exception in file to go above 43% DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/28/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
AZ | Primary Residence | Refinance | Cash Out - Other | 5777115 | Originator Pre-Close | Yes | |||||
| 8847648 | XXXXXXX | XXXXXX | Closed | 2025-09-03 16:43 | 2025-09-15 11:19 | Resolved | 1 - Information | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-All Interested Parties Not Checked with Exclusionary Lists Per lender guidelines dated XX/XX/XXXX, page 13, section 4-1-9, any company or person who is a material party to the transaction must be searched on the LDP list and SAM Excluded party list. The search is missing for the settlement agent company and settlement agent contact. - Due Diligence Vendor-09/03/2025 |
Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/15/2025 |
FraudGuard.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5402326 | N/A | N/A | |||||
| 8847648 | XXXXXXX | XXXXXX | Closed | 2025-09-08 11:44 | 2025-09-15 11:16 | Resolved | 1 - Information | Credit | Borrower | Fraud Alert not verified - Borrower 1 | Resolved-Confirmation received. - Due Diligence Vendor-09/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-09/10/2025 Open-The Third Party Fraud Report reflects a fraud alert. The loan file does not contain evidence the lender addressed the alert. Fraud alert detected on the credit report. - Due Diligence Vendor-09/08/2025 |
Resolved-Confirmation received. - Due Diligence Vendor-09/15/2025 |
Processor cert for Fraud Alert.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 5451351 | N/A | N/A | |||||
| 2984682 | XXXXXXX | XXXXXX | Closed | 2025-10-22 07:56 | 2026-05-12 08:52 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided 7 mos. worth of bank statements verifying XXXXX XXXXXXX. Condition cleared. - Due Diligence Vendor-10/31/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/26/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender Guidelines require proof of receipt for 6 months for XXXXXX XXXXXXX income. Documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-10/22/2025 |
Resolved-Lender provided 7 mos. worth of bank statements verifying XXXXXX XXXXXXX. Condition cleared. - Due Diligence Vendor-10/31/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/31/2025 |
Proof of XXXXXX XXXXXXX receipt.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5969368 | N/A | N/A | |||||
| 2984682 | XXXXXXX | XXXXXX | Closed | 2025-10-22 08:25 | 2025-10-31 12:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing XXXXXXX/XXXXXX XXXXXXX Documentation | Resolved-Lender provided 7 mos. worth of bank statements verifying XXXXX XXXXXXX. Condition cleared. - Due Diligence Vendor-10/31/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/26/2025 Open-Missing verification of the amount of XXXXXXX/XXXXX XXXXXXX. Lender Guidelines require proof of receipt for 6 months for XXXXX XXXXXX income. Documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-10/22/2025 |
Resolved-Lender provided 7 mos. worth of bank statements verifying XXXXXX XXXXXXX. Condition cleared. - Due Diligence Vendor-10/31/2025 |
Proof of XXXXXX XXXXXXX receipt.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5969783 | N/A | N/A | |||||
| 5286220 | XXXXXXX | XXXXXX | Closed | 2025-11-13 10:38 | 2025-11-19 11:30 | Cured | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Cured-Lender provided evidence rescission was re-opened with the correct form. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/19/2025 Open-TILA: Incorrect NORTC model provided - H9 Subject transaction was a second lien on borrower's primary residence and did not pay off any existing liens. The Notice of Right to Cancel was done on ROR Form H9. Form H8 should have been used instead. - Due Diligence Vendor-11/13/2025 |
Cured-Lender provided evidence rescission was re-opened with the correct form. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/19/2025 |
NRTC.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6239968 | N/A | N/A | |||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-09-19 06:27 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 Open-The disclosed Total of Payments ($XX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/25/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5597149 | N/A | N/A | ||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-09-19 06:27 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Buyer-11/18/2025 Open-The disclosed Total of Payments ($XX,XXX.XX) is understated by more than the greater of $XXX or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($X,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($XXX.XX) or $XXX, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/25/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5597151 | N/A | N/A | |||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-09-19 06:27 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 Open- - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/25/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open-The Annual Percentage Rate of (8.05%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before the consummation date of (XX/XX/XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 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)(A); 1026.22(a)(2)) - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5597153 | N/A | N/A | ||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-09-19 06:27 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 Open-The disclosed finance charge ($XX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/25/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5597154 | N/A | N/A | ||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-09-19 06:27 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Buyer-11/18/2025 Open-The disclosed Total of Payments ($XX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($X,XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/25/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5597155 | N/A | N/A | |||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-09-19 06:27 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 Open-The disclosed APR (8.05) is lower than the actual APR (8.303) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/26/2025 Open- - Due Diligence Vendor-09/25/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 Open- - Due Diligence Vendor-09/19/2025 |
Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Seller-11/18/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5597158 | N/A | N/A | ||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-10-01 11:34 | 2025-11-18 11:10 | Resolved | 1 - Information | Compliance | XXXXXX | Tolerance: Disclosure | Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please waive. Attached correct NOTE - Buyer-11/18/2025 Open-The Prior CD1 sent on (XX/XX/XXXX) was received at least 3 business days before closing. The Last CD sent on (XX/XX/XXXX) was not received at least 3 business days before closing. The Prior CD1 (8.05%) APR is inaccurate when compared to the (8.303%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XX/XX/XXXX), which is 3 business days before the (XX/XX/XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-10/01/2025 Open- - Due Diligence Vendor-10/01/2025 |
Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
NOTE- XXXXX - XXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5736660 | N/A | N/A | |||||
| 1586098 | XXXXXXX | XXXXXX | Closed | 2025-10-03 12:29 | 2025-11-18 11:09 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached NOTE and proof of recession reopened - Buyer-11/18/2025 Open-The Note is Incomplete The signed note provided does not match the interest rate disclosed to the borrower on the final Closing Disclosure signed at closing. - Due Diligence Vendor-10/03/2025 |
Resolved-The Note is Present - Due Diligence Vendor-11/18/2025 |
NOTE & NRTC- XXXX.zip | TX | Primary Residence | Refinance | Cash Out - Other | 5769455 | N/A | N/A | |||||
| 9195443 | XXXXXXX | XXXXXX | Closed | 2025-10-22 11:05 | 2025-10-22 11:05 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Exception in file to allow 2-day extension on credit report expiration to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/22/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Exception in file to allow 2-day extension on credit report expiration to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/22/2025 |
Compensating Factors: 1) CLTV <5% below the Maximum Qualifying. 2) Employment for an extended period at the same job. 3) Credit Score >/= 10+ Points more than qualifying. 4) 36+ Months 0x30 housing payment history. |
MD | Primary Residence | Refinance | Cash Out - Other | 5973416 | Originator Pre-Close | Yes | |||||
| 9824781 | XXXXXXX | XXXXXX | Closed | 2025-10-01 11:33 | 2026-05-12 08:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/03/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 1 Paystubs Missing - Due Diligence Vendor-10/01/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/04/2025 |
Pay stubs.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5736649 | N/A | N/A | |||||
| 9824781 | XXXXXXX | XXXXXX | Closed | 2025-10-01 11:33 | 2025-11-04 15:27 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/03/2025 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-10/01/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-11/04/2025 |
Pay stubs.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5736648 | N/A | N/A | |||||
| 4312394 | XXXXXXX | XXXXXX | Closed | 2025-12-03 13:52 | 2025-12-03 13:55 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for no LQI even though credit report in file is dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/03/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for no LQI even though credit report in file is dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/03/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) 36+ Months 0x30 housing payment history. 3) Minimal debts / Revolving accounts. |
PA | Primary Residence | Refinance | Cash Out - Other | 6471650 | Originator Pre-Close | Yes | |||||
| 8125115 | XXXXXXX | XXXXXX | Closed | 2025-12-03 08:35 | 2026-05-14 08:26 | Cured | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Cured-Received VOE Document, finding status changed to cured. - Due Diligence Vendor-05/14/2026 Acknowledged-. - Due Diligence Vendor-12/12/2025 Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/12/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/12/2025 Ready for Review-Kindly move the condition to Grade B from Grade D as the VVOE is post closing date. - Seller-12/11/2025 Counter-Received Business search doc dated XX/XX/XXXX which is after the Note date of XX/XX/XXXX. Provide 3rd party VOE dated within 60 days of the Note date. Condition remains. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/09/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require that the existence of the borrower's business be verified through a third-party source within 60 days of the Note Date for self-employment income. VVOE in file for B2 is dated 76 days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Kindly move the condition to Grade B from Grade D as the VVOE is post closing date. - Seller-12/11/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/09/2025 |
Cured-Received VOE Document, finding status changed to cured. - Due Diligence Vendor-05/14/2026 Acknowledged-. - Due Diligence Vendor-12/12/2025 Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/12/2025 |
VVOE - Business Name Search.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 6462447 | N/A | N/A | ||||
| 8125115 | XXXXXXX | XXXXXX | Closed | 2025-12-03 08:35 | 2025-12-12 09:18 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/12/2025 Ready for Review-Kindly move the condition to Grade B from Grade D as the VVOE is post closing date. - Seller-12/11/2025 Counter-Doc received is dated post-closing. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/09/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require that the existence of the borrower's business be verified through a third-party source within 60 days of the Note Date for self-employment income. VVOE in file for B2 is dated 76 days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Kindly move the condition to Grade B from Grade D as the VVOE is post closing date. - Seller-12/11/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/09/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/12/2025 |
VVOE - Business Name Search.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 6462448 | N/A | N/A | ||||
| 8125115 | XXXXXXX | XXXXXX | Closed | 2025-12-03 08:59 | 2025-12-12 09:18 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Taxes and Insurance document for second home listed in REO section 3b is not required as taxes and insurance are escrowed in monthly mortgage payment. Also, investment property listed in REO section 3c is not owned by borrower, it is in the name of business XXXXXXX XXXXXXXXXX XXXXX XXX. Please find the property profile report and revised 1003. - Buyer-12/08/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements B2: Please provide evidence of hazard insurance and property taxes for second home (REO 3b) listed on 1003. Additional conditions may apply B2: Please provide evidence of hazard insurance and property taxes for investment property (REO 3c) listed on 1003. Additional conditions may apply - Due Diligence Vendor-12/03/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/10/2025 |
Property Profile.pdf 1003.pdf |
OR | Primary Residence | Refinance | Cash Out - Other | 6463013 | N/A | N/A | |||||
| 8125115 | XXXXXXX | XXXXXX | Closed | 2025-12-03 08:18 | 2025-12-12 09:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application - Not Executed | Resolved-Received signed 1003. Condition cleared. - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-12/11/2025 Open-The Final 1003 is Not Executed Fully executed Final 1003 is missing for Borrower 2. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Resolved-Received signed 1003. Condition cleared. - Due Diligence Vendor-12/12/2025 |
Signed 1003.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 6462153 | N/A | N/A | |||||
| 8125115 | XXXXXXX | XXXXXX | Closed | 2025-11-19 12:47 | 2025-12-10 12:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-REO 3b T&I escrowed per Mortgage statement. Received property search for REO 3c. Condition cleared. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Taxes and Insurance document for second home listed in REO section 3b is not required as taxes and insurance are escrowed in monthly mortgage payment. Also, investment property listed in REO section 3c is not owned by borrower, it is in the name of business XXXXXXX XXXXXXXXXX XXXXX XXX. Please find the property profile report and revised 1003. - Seller-12/08/2025 Open-B2: Please provide evidence of hazard insurance and property taxes for second home (REO 3b) listed on 1003. Additional conditions may apply B2: Please provide evidence of hazard insurance and property taxes for investment property (REO 3c) listed on 1003. Additional conditions may apply - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. Taxes and Insurance document for second home listed in REO section 3b is not required as taxes and insurance are escrowed in monthly mortgage payment. Also, investment property listed in REO section 3c is not owned by borrower, it is in the name of business XXXXXXX XXXXXXXXXX XXXXX XXX. Please find the property profile report and revised 1003. - Seller-12/08/2025 |
Resolved-REO 3b T&I escrowed per Mortgage statement. Received property search for REO 3c. Condition cleared. - Due Diligence Vendor-12/10/2025 |
Property Profile.pdf 1003.pdf |
OR | Primary Residence | Refinance | Cash Out - Other | 6308914 | N/A | N/A | ||||
| 8125115 | XXXXXXX | XXXXXX | Closed | 2025-12-03 08:39 | 2025-12-03 08:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/03/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/03/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 6462509 | Investor Post-Close | No | ||||||
| 8814778 | XXXXXXX | XXXXXX | Closed | 2025-11-08 13:32 | 2025-12-02 09:49 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided final settlement statement reflecting the actual disbursement date. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved- - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. Please see attached Final SS with Disbursement date as XX/XX/XXXX, which is after the calculated NRTC date - Seller-12/02/2025 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-12/01/2025 Open- - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Please see attached NRTC - Buyer-12/01/2025 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Notice of Right to Cancel is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/08/2025 Open- - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/08/2025 Open- - Due Diligence Vendor-11/08/2025 Open- - Due Diligence Vendor-11/08/2025 |
Ready for Review-Document Uploaded. Please see attached Final SS with Disbursement date as XX/XX/XXXX, which is after the calculated NRTC date - Seller-12/02/2025 |
Resolved-Lender provided final settlement statement reflecting the actual disbursement date. Condition cleared. - Due Diligence Vendor-12/02/2025 |
RTC Initialed.pdf Final SS.pdf |
ME | Primary Residence | Refinance | Cash Out - Other | 6184131 | N/A | N/A | ||||
| 8814778 | XXXXXXX | XXXXXX | Closed | 2025-11-08 12:17 | 2025-12-01 10:35 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Please see attached NRTC - Buyer-12/01/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties Notice of Right to Cancel is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/08/2025 |
Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-12/01/2025 |
RTC Initialed.pdf | ME | Primary Residence | Refinance | Cash Out - Other | 6183887 | N/A | N/A | |||||
| 8814778 | XXXXXXX | XXXXXX | Closed | 2025-11-21 13:46 | 2025-11-21 13:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 |
ME | Primary Residence | Refinance | Cash Out - Other | 6346429 | Investor Post-Close | No | ||||||
| 3026995 | XXXXXXX | XXXXXX | Closed | 2025-10-29 13:13 | 2025-10-29 13:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6056545 | Investor Post-Close | No | ||||||
| 4666269 | XXXXXXX | XXXXXX | Closed | 2025-11-04 07:23 | 2026-05-12 08:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/12/2026 Resolved-Received evidence of IRS payments. Condition cleared. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/05/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of monthly payment to IRS stated on the final 1003. - Due Diligence Vendor-11/04/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/12/2026 Resolved-Received evidence of IRS payments. Condition cleared. - Due Diligence Vendor-11/05/2025 |
IRS Payment proof.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 6111888 | N/A | N/A | |||||
| 4666269 | XXXXXXX | XXXXXX | Closed | 2025-11-04 07:21 | 2025-11-05 14:45 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received evidence of IRS payments. Condition cleared. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/05/2025 Open-Missing evidence of monthly payment to IRS stated on the final 1003. - Due Diligence Vendor-11/04/2025 |
Resolved-Received evidence of IRS payments. Condition cleared. - Due Diligence Vendor-11/05/2025 |
IRS Payment proof.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 6111845 | N/A | N/A | |||||
| 8749104 | XXXXXXX | XXXXXX | Closed | 2025-09-27 02:25 | 2025-10-08 11:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/08/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Subject property in flood zone. Flood insurance is missing in the loan file. - Due Diligence Vendor-09/27/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/08/2025 |
Flood Insurance Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5693967 | N/A | N/A | |||||
| 8749104 | XXXXXXX | XXXXXX | Closed | 2025-09-26 15:56 | 2025-10-08 11:12 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/02/2025 Open-Missing Flood Insurance Policy Subject property in flood zone. Flood insurance is missing in the loan file. - Due Diligence Vendor-09/27/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 |
Flood Insurance Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5692000 | N/A | N/A | |||||
| 8345197 | XXXXXXX | XXXXXX | Closed | 2025-11-18 08:58 | 2025-11-25 08:52 | Resolved | 1 - Information | 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-Documentation is acceptable in FL. Condition cleared. - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. In [redacted]state, attached document can be accepted in lieu of RCE. - Buyer-11/19/2025 Open-Homeowner's Insurance policy does not confirm guaranteed replacement cost coverage and file does not have a Replacement Cost Estimator by the Insurer to confirm the coverage in place is sufficient. - Due Diligence Vendor-11/18/2025 |
Resolved-Documentation is acceptable in FL. Condition cleared. - Due Diligence Vendor-11/25/2025 |
Checklist of coverage.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6288169 | N/A | N/A | |||||
| 8345197 | XXXXXXX | XXXXXX | Closed | 2025-11-18 08:37 | 2025-11-18 08:37 | Waived | 2 - Non-Material | Property | Missing Doc | Missing Appraisal (Property) | Waived-Appraisal not provided. Appraisal from prior loan was used to qualify, but the subject loan lender is not the same lender from the prior transaction. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/18/2025 | Waived-Appraisal not provided. Appraisal from prior loan was used to qualify, but the subject loan lender is not the same lender from the prior transaction. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/18/2025 |
Employment of 5 years on the same job & FICO 10 points above requirement | FL | Primary Residence | Refinance | Cash Out - Other | 6287792 | Originator Pre-Close | Yes | |||||
| 8345197 | XXXXXXX | XXXXXX | Closed | 2025-11-05 13:48 | 2025-11-18 08:31 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.54% exceeds Guideline DTI of 45% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/05/2025 | Waived-Audited DTI of 46.54% exceeds Guideline DTI of 45% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/05/2025 |
Employment of 5 years on the same job & FICO 10 points above requirement | FL | Primary Residence | Refinance | Cash Out - Other | 6143059 | Originator Pre-Close | Yes | |||||
| 7244035 | XXXXXXX | XXXXXX | Closed | 2025-10-01 14:00 | 2025-10-13 16:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/01/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/01/2025 |
TN | Primary Residence | Refinance | Cash Out - Other | 5740198 | Investor Post-Close | No | ||||||
| 4590552 | XXXXXXX | XXXXXX | Closed | 2025-10-13 10:01 | 2025-11-04 15:05 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/04/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-10/13/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/04/2025 |
Flood Ins Policy.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5871971 | N/A | N/A | |||||
| 2682470 | XXXXXXX | XXXXXX | Closed | 2025-10-11 15:13 | 2025-11-05 14:51 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received AVM for value of $XXX,XXX. Condition cleared. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/05/2025 Open-Appraisal or other primary valuation product is missing The AVM is dated XX/XX/XXXX, which is more than 30 days before the Final Closing Date of XX/XX/XXXX. The appraised value in the Final CD and 1008 is $XXX,XXX, while the AVM shows $XXX,XXX — a difference of over 10%. Due to the AVM being outdated and the significant value difference, a finding has been added for primary valuation. - Due Diligence Vendor-10/11/2025 |
Resolved-Received AVM for value of $XXX,XXX. Condition cleared. - Due Diligence Vendor-11/05/2025 |
AVM_XXXXXXX (1) XXXXXXX.pdf | CA | Investment | Refinance | Cash Out - Other | 5865531 | N/A | N/A | |||||
| 2682470 | XXXXXXX | XXXXXX | Closed | 2025-10-31 11:14 | 2025-11-05 14:46 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received LOE for no housing expenses. Condition cleared. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/04/2025 Open-According to the Final 1003, the Borrower has no primary housing expense. No Letter of explanation is in the loan file. - Due Diligence Vendor-10/31/2025 |
Resolved-Received LOE for no housing expenses. Condition cleared. - Due Diligence Vendor-11/05/2025 |
LOE for no primary housing expense.pdf | CA | Investment | Refinance | Cash Out - Other | 6084286 | N/A | N/A | |||||
| 2675415 | XXXXXXX | XXXXXX | Closed | 2025-10-15 09:52 | 2025-10-27 10:36 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-Lender provided Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender. Condition cleared. - Due Diligence Vendor-10/27/2025 Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-10/27/2025 Ready for Review-Document Uploaded. Please see attached with Lender's signature - Buyer-10/25/2025 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. - Due Diligence Vendor-10/15/2025 |
Resolved-Lender provided Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender. Condition cleared. - Due Diligence Vendor-10/27/2025 Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-10/27/2025 |
FMV.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5901080 | N/A | N/A | |||||
| 3818386 | XXXXXXX | XXXXXX | Closed | 2025-10-13 12:43 | 2025-10-14 09:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/14/2025 |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5875151 | Investor Post-Close | No | ||||||
| 9164757 | XXXXXXX | XXXXXX | Closed | 2025-10-28 15:32 | 2026-05-12 09:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/04/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/30/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require proof of three years continuance via account statements for 401K/IRA Distributions. Account statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-10/28/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/04/2025 |
Assets statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6043722 | N/A | N/A | |||||
| 9164757 | XXXXXXX | XXXXXX | Closed | 2025-10-28 15:55 | 2025-11-04 12:52 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received statement. Condition cleared. - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/30/2025 Open-Lender guidelines require proof of three years continuance via account statements for 401K/IRA Distributions. Account statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-10/28/2025 |
Resolved-Received statement. Condition cleared. - Due Diligence Vendor-11/04/2025 |
Assets statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6043999 | N/A | N/A | |||||
| 7578569 | XXXXXXX | XXXXXX | Closed | 2025-11-21 12:48 | 2025-12-12 09:50 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided missing disclosures and valid COC. Condition cleared. - Due Diligence Vendor-12/12/2025 Resolved-Resolved - Due Diligence Vendor-12/12/2025 Ready for Review- - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please see attached LE dated XX/XX/XXXX, XX/XX/XXXX and CDs dated XX/XX/XXXX and XX/XX/XXXX Condition regarding discount points is satisfied with COC attached with LE dated XX/XX/XXXX. Loan amount changes from XXXX to XXXX and corresponding points increases. Regarding the file containing 2 COCs that indicate LE (XX/XX/XXXX and XX/XX/XXXX). The LE dated XX/XX/XXXX satisfies the COC dated XX/XX/XXXX, for change in loan amount and CD dated XX/XX/XXXX satisfies the COC dated XX/XX/XXXX. CFPB doesn't mandate a change of circumstance, and the changes are in line with the disclosures mentioned above. No LE was disclosed to the borrower on XX/XX/XXXX, instead CD dated XX/XX/XXXX was issued. - Seller-12/11/2025 Counter-Received the initial CD dated XX/XX/XXXX. The file contains 2 COCs that indicate Loan Estimates (dated XX/XX and XX/XX) and a CD (dated XX/XX) were provided to the borrower. Please provide the XX/XX & XX/XX LEs and the XX/XX CD. Condition remains. - Due Diligence Vendor-12/05/2025 Ready for Review-Any update on this condition? - Buyer-12/05/2025 Counter-Received the initial CD dated XX/XX/XXXX. The file contains 2 COCs that indicate Loan Estimates (dated XX/XX and XX/XX) and a CD (dated XX/XX) were provided to the borrower. Please provide the XX/XX&XX/XX LEs and the XX/XX CD. Condition remains. - Due Diligence Vendor-11/26/2025 Open- - Due Diligence Vendor-11/26/2025 Open- - Due Diligence Vendor-11/26/2025 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)). The file contains an Initial LE and a Final CD. Provide all TRID docs provided to the borrower including COCs. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. Please see attached LE dated XX/XX/XXXX, XX/XX/XXXX and CDs dated XX/XX/XXXX and XX/XX/XXXX Condition regarding discount points is satisfied with COC attached with LE dated XX/XX/XXXX. Loan amount changes from XXXX to XXXX and corresponding points increases. Regarding the file containing 2 COCs that indicate LE (XX/XX/XXXX and XX/XX/XXXX). The LE dated XX/XX/XXXX satisfies the COC dated XX/XX/XXXX, for change in loan amount and CD dated XX/XX/XXXX satisfies the COC dated XX/XX/XXXX. CFPB doesn't mandate a change of circumstance, and the changes are in line with the disclosures mentioned above. No LE was disclosed to the borrower on 10/08, instead CD dated XX/XX/XXXX was issued. - Seller-12/11/2025 |
Resolved-Lender provided missing disclosures and valid COC. Condition cleared. - Due Diligence Vendor-12/12/2025 Resolved-Resolved - Due Diligence Vendor-12/12/2025 |
XXXXX_XXXX-XXXXXXX_INITIAL CD 10-1.pdf XXXXX_XXXX-XXXXXXX_ICD_10-1.pdf XXXXX_XXXX-XXXXXXX_ICD_10-1.pdf XXXXX_XXXX-XXXXXXX_LE_9-9.pdf XXXXX_XXXX-XXXXXXX_LE_9-9.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6345349 | N/A | N/A | ||||
| 7578569 | XXXXXXX | XXXXXX | Closed | 2025-11-21 12:48 | 2025-12-12 09:50 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided missing disclosures and valid COC. Condition cleared. - Due Diligence Vendor-12/12/2025 Resolved-Resolved - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please see attached LE dated XX/XX, XX/XX and CDs dated XX/XX and XX/XX Condition regarding discount points is satisfied with COC attached with LE dated XX/XX. Loan amount changes from XXXX to XXXX and corresponding points increases. Regarding the file containing 2 COCs that indicate LE (XX/XX and XX/XX). The LE dated XX/XX satisfies the COC dated XX/XX, for change in loan amount and CD dated XX/XX satisfies the COC dated XX/XX. CFPB doesn't mandate a change of circumstance, and the changes are in line with the disclosures mentioned above. No LE was disclosed to the borrower on XX/XX, instead CD dated XX/XX was issued. The COC for XX/XX is for a CD- the appraised value came in lower so the fees were reduced and a coc form with a new CD went to the client,. - Seller-12/11/2025 Counter-Received the initial CD dated XX/XX/XXXX. The file contains 2 COCs that indicate Loan Estimates (dated XX/XX and XX/XX) and a CD (dated XX/XX) were provided to the borrower. Please provide the XX/XX & XX/XX LEs and the XX/XX CD. Condition remains. - Due Diligence Vendor-12/05/2025 Ready for Review-Any update on this condition? - Seller-12/05/2025 Counter-Received the initial CD dated XX/XX/XXXX. The file contains 2 COCs that indicate Loan Estimates (dated XX/XX and XX/XX) and a CD (dated XX/XX) were provided to the borrower. Please provide the XX/XX & XX/XX LEs and the XX/XX CD. Condition remains. - Due Diligence Vendor-11/26/2025 Open- - Due Diligence Vendor-11/26/2025 Open- - Due Diligence Vendor-11/26/2025 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)). The file contains an Initial LE and a Final CD. Provide all TRID docs provided to the borrower including COCs. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. Please see attached LE dated XX/XX/XXXX, XX/XX/XXXX and CDs dated XX/XX/XXXX and XX/XX/XXXX Condition regarding discount points is satisfied with COC attached with LE dated XX/XX/XXXX. Loan amount changes from XXXX to XXXX and corresponding points increases. Regarding the file containing 2 COCs that indicate LE (XX/XX/XXXX and XX/XX/XXXX). The LE dated XX/XX/XXXX satisfies the COC dated XX/XX/XXXX, for change in loan amount and CD dated XX/XX/XXXX satisfies the COC dated XX/XX/XXXX. CFPB doesn't mandate a change of circumstance, and the changes are in line with the disclosures mentioned above. No LE was disclosed to the borrower on XX/XX/XXXX, instead CD dated XX/XX/XXXX was issued. The COC for XX/XX/XXXX is for a CD- the appraised value came in lower so the fees were reduced and a coc form with a new CD went to the client,. - Seller-12/11/2025 Ready for Review-Any update on this condition? - Seller-12/05/2025 |
Resolved-Lender provided missing disclosures and valid COC. Condition cleared. - Due Diligence Vendor-12/12/2025 Resolved-Resolved - Due Diligence Vendor-12/12/2025 |
XXXXX_XXXX-XXXXXXX_changeofcircumstancesnew (24).pdf XXXXX_XXXX-XXXXXXX_changeofcircumstancesnew (24).pdf XXXXX_XXXX-XXXXXXX_XXXXXXX CD 10.9.pdf XXXXX_XXXX-XXXXXXX_XXXXXXX CD 10.9.pdf XXXXX_XXXX-XXXXXXX_LE_9-18.pdf XXXXX_XXXX-XXXXXXX_LE_9-18.pdf XXXXX_XXXX-XXXXXXX_LE_9-9.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6345350 | N/A | N/A | ||||
| 7578569 | XXXXXXX | XXXXXX | Closed | 2025-11-20 13:50 | 2025-12-01 09:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/01/2025 Ready for Review- - Seller-11/26/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a VVOE within 10 business days prior to the note date. The VVOE is missing. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-11/20/2025 |
Ready for Review- - Seller-11/26/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/01/2025 |
XXXXX_XXXX-XXXXXXX_VERBAL VOE WITHIN 10 DAYS OF NOTE (1).pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6330722 | N/A | N/A | ||||
| 7578569 | XXXXXXX | XXXXXX | Closed | 2025-11-20 18:32 | 2025-11-26 08:59 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided missing CD's. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved- - Due Diligence Vendor-11/26/2025 Ready for Review- - Buyer-11/26/2025 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) The file contains an Initial LE and a Final CD. Provide all TRID docs provided to the borrower including COCs. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Resolved-Lender provided missing CD's. Condition cleared. - Due Diligence Vendor-11/26/2025 |
XXXXX_XXXX-XXXXXXXV_CLOSING DISCLOSURE 10-9.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6334531 | N/A | N/A | |||||
| 4458194 | XXXXXXX | XXXXXX | Closed | 2025-11-07 16:11 | 2025-11-10 11:59 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: NORTC Incomplete for one or more borrowers/vested parties | Resolved-Lender provided NORTC signed by both borrowers. Condition cleared. - Due Diligence Vendor-11/10/2025 Resolved-TILA: NORTC is provided - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Please see attached. This was provided along the other docs. - Seller-11/10/2025 Open-TILA: NOTRC is incomplete for one or more borrowers/ vested parties The NORTC is missing for the Co-Borrower. - Due Diligence Vendor-11/07/2025 |
Ready for Review-Document Uploaded. Please see attached. This was provided along the other docs. - Seller-11/10/2025 |
Resolved-Lender provided NORTC signed by both borrowers. Condition cleared. - Due Diligence Vendor-11/10/2025 Resolved-TILA: NORTC is provided - Due Diligence Vendor-11/10/2025 |
NRTC.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 6179689 | N/A | N/A | ||||
| 4458194 | XXXXXXX | XXXXXX | Closed | 2025-11-07 16:11 | 2025-11-10 11:59 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Lender provided corrected NORTC. Condition cleared. - Due Diligence Vendor-11/10/2025 Resolved-Resolved - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Please see attached. This was provided along the other docs. - Seller-11/10/2025 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The DOT was not fully signed until XX/XX/XXXX. Therefore, the Transaction Date and Right to Cancel Expire Date should have been updated based on a Transaction Date of XX/XX/XXXX. Rescission required to be re-open. - Due Diligence Vendor-11/07/2025 Open- - Due Diligence Vendor-11/07/2025 |
Ready for Review-Document Uploaded. Please see attached. This was provided along the other docs. - Seller-11/10/2025 |
Resolved-Lender provided corrected NORTC. Condition cleared. - Due Diligence Vendor-11/10/2025 Resolved-Resolved - Due Diligence Vendor-11/10/2025 |
NRTC.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 6179692 | N/A | N/A | ||||
| 4458194 | XXXXXXX | XXXXXX | Closed | 2025-10-14 08:11 | 2025-11-10 11:55 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Lender provided fully executed Note. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-The Note is Present - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 Open-The Note is Incomplete Co borrower signature is missing from the Note. - Due Diligence Vendor-10/14/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 |
Resolved-Lender provided fully executed Note. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-The Note is Present - Due Diligence Vendor-11/07/2025 |
NOTE.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 5884801 | N/A | N/A | ||||
| 4458194 | XXXXXXX | XXXXXX | Closed | 2025-10-14 08:12 | 2025-11-10 11:55 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Lender provided fully executed DOT. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 Open-The Deed of Trust is Incomplete Co borrower signature is missing from the Deed of Trust. - Due Diligence Vendor-10/14/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 |
Resolved-Lender provided fully executed DOT. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/07/2025 |
DOT.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 5884804 | N/A | N/A | ||||
| 3390997 | XXXXXXX | XXXXXX | Closed | 2025-11-01 18:21 | 2025-11-01 18:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Colorado (CO) Tangible Net Benefit Test - Tangible Net Benefit Disclosure is missing | Acknowledged-Colorado Tangible Net Benefit Test - Tangible Net Benefit Disclosure is missing The disclosure was signed but not completed - no benefit checked. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/01/2025 | Acknowledged-Colorado Tangible Net Benefit Test - Tangible Net Benefit Disclosure is missing The disclosure was signed but not completed - no benefit checked. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/01/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 6091567 | Investor Post-Close | No | ||||||
| 7248503 | XXXXXXX | XXXXXX | Closed | 2025-10-15 15:56 | 2025-10-30 09:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/24/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-10/15/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/29/2025 |
XXXXX document.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5908877 | N/A | N/A | |||||
| 7248503 | XXXXXXX | XXXXXX | Closed | 2025-10-10 02:26 | 2025-10-29 11:20 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-10/29/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/24/2025 Open-Required supporting documents to verify payment and balance of liability 7 - Due Diligence Vendor-10/10/2025 |
Resolved-Received. - Due Diligence Vendor-10/29/2025 |
XXXXX document.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5848480 | N/A | N/A | |||||
| 8260735 | XXXXXXX | XXXXXX | Closed | 2025-12-01 10:24 | 2025-12-01 10:24 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go over 45 days for credit report but under 60 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go over 45 days for credit report but under 60 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 |
1) Employment of 5 years on the same job. 2) 36+ Months 0x30 housing payment history. |
FL | Primary Residence | Refinance | Cash Out - Other | 6429125 | Originator Pre-Close | Yes | |||||
| 7856181 | XXXXXXX | XXXXXX | Closed | 2025-11-20 10:15 | 2025-11-20 10:15 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/20/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/20/2025 |
1) 36+ Months 0x30 housing payment history. 2) Minimal debts / Revolving accounts. |
CA | Primary Residence | Refinance | Cash Out - Other | 6322264 | Originator Pre-Close | Yes | |||||
| 1239100 | XXXXXXX | XXXXXX | Closed | 2025-10-19 06:50 | 2025-10-19 06:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Colorado (CO) Consumer Credit Code Violation: Refinance Disclosure is missing or not provided | Acknowledged-Colorado Consumer Credit Code Violation: Refinance Disclosure is missing or not provided This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2025 | Acknowledged-Colorado Consumer Credit Code Violation: Refinance Disclosure is missing or not provided This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/19/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 5941226 | Investor Post-Close | No | ||||||
| 5415211 | XXXXXXX | XXXXXX | Closed | 2025-11-11 08:07 | 2026-05-12 09:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached business tax extension request. - Buyer-12/15/2025 Counter-The application is not completed. All sections (right hand side of the application) are blank. No evidence the extension was actually applied for. - Due Diligence Vendor-12/01/2025 Ready for Review-Please review page # 147 for tax extension form 4868 for year XXXX that was already provided on XX/XX . What is incomplete please specify in detail if any - Seller-11/30/2025 Counter-11/18/25-Business and personal tax returns received for years XXXX and XXXX. Provide XXXX tax extension. - Due Diligence Vendor-11/18/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/13/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Business and Personal Tax Returns incomplete. Additional conditions may apply. - Due Diligence Vendor-11/11/2025 |
Ready for Review-Please review page # 147 for tax extension form 4868 for year XXXX that was already provided on XX/XX . What is incomplete please specify in detail if any - Seller-11/30/2025 |
Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/18/2025 |
Business Tax Return.pdf Business Tax Return.pdf XXXXX_XXXX-XXXXXXX (1).pdf |
GA | Primary Residence | Refinance | Cash Out - Other | 6206393 | N/A | N/A | ||||
| 5415211 | XXXXXXX | XXXXXX | Closed | 2025-11-11 08:10 | 2025-12-18 10:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Received extension doc. Condition cleared. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/15/2025 Counter-11/18/25-Business and personal tax returns received for years XXXX and XXXX. Provide XXXX tax extension. - Due Diligence Vendor-11/18/2025 Open-Borrower 1 Business Tax Returns Missing - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/13/2025 Open-Borrower 1 Business Tax Returns Missing Business Tax Returns incomplete. Additional conditions may apply. - Due Diligence Vendor-11/11/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/15/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/13/2025 |
Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Received extension doc. Condition cleared. - Due Diligence Vendor-12/18/2025 |
Business Tax Return.pdf XXXXX_XXXX-XXXXXXX (1).pdf |
GA | Primary Residence | Refinance | Cash Out - Other | 6206420 | N/A | N/A | ||||
| 5415211 | XXXXXXX | XXXXXX | Closed | 2025-11-11 08:10 | 2025-12-18 10:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Filed electronically. Condition cleared. - Due Diligence Vendor-12/10/2025 Ready for Review-The sections are completed with zeros. if it wasn't completed they would be blank. The borrower is estimating $X tax liability, this shouldn't be considered as incomplete. - Buyer-12/09/2025 Counter-The application is not completed. All sections (right hand side of the application) are blank. No evidence the extension was actually applied for. - Due Diligence Vendor-12/01/2025 Ready for Review-Please review page # 147 for tax extension form 4868 for year XXXX that was already provided on XX/XX/XXXX. What is incomplete please specify in detail if any - Seller-11/30/2025 Counter-The form is incomplete. - Due Diligence Vendor-11/26/2025 Ready for Review-Extension for XXXX personal tax return is also included in attached document. Please review all the pages of attached document. - Seller-11/19/2025 Counter-11/18/25-Business and personal tax returns received for years XXXX and XXXX. Provide XXXX tax extension. - Due Diligence Vendor-11/18/2025 Open-Borrower 1 Personal Tax Returns Missing - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/13/2025 Open-Borrower 1 Personal Tax Returns Missing Personal Tax Returns incomplete. Additional conditions may apply. - Due Diligence Vendor-11/11/2025 |
Ready for Review-Please review page # 147 for tax extension form 4868 for year XXXX that was already provided on XX/XX/XXXX . What is incomplete please specify in detail if any - Seller-11/30/2025 Ready for Review-Extension for XXXX personal tax return is also included in attached document. Please review all the pages of attached document. - Seller-11/19/2025 |
Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Filed electronically. Condition cleared. - Due Diligence Vendor-12/10/2025 |
personal Tax Returns.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 6206421 | N/A | N/A | ||||
| 5415211 | XXXXXXX | XXXXXX | Closed | 2025-11-11 08:02 | 2025-11-11 08:04 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender Exception in file to go over 45 days for credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/11/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender Exception in file to go over 45 days for credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/11/2025 |
1) Employment of 5 years on the same job. 2) 36+ Months 0x30 housing payment history. |
GA | Primary Residence | Refinance | Cash Out - Other | 6206317 | Originator Pre-Close | Yes | |||||
| 7393473 | XXXXXXX | XXXXXX | Closed | 2025-10-31 10:09 | 2025-11-05 14:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Received payoff. Condition cleared. - Due Diligence Vendor-11/05/2025 Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/04/2025 Open-Missing Payoff Statement for prior loan. Missing Payoff Statement for prior 2nd lien. - Due Diligence Vendor-10/31/2025 |
Resolved-Received payoff. Condition cleared. - Due Diligence Vendor-11/05/2025 Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-11/05/2025 |
Pay off Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6082546 | N/A | N/A | |||||
| 1600756 | XXXXXXX | XXXXXX | Closed | 2025-10-24 15:36 | 2025-11-04 10:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Trust Documentation | Resolved-Received Trust docs. - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-10/28/2025 Open-Missing Trust Documentation Trust Agreement/Certificate is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-10/24/2025 |
Resolved-Received Trust docs. - Due Diligence Vendor-11/04/2025 |
Trust Documents.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6012387 | N/A | N/A | |||||
| 7725298 | XXXXXXX | XXXXXX | Closed | 2025-10-30 16:06 | 2025-10-30 16:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-10/30/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-10/30/2025 |
UT | Primary Residence | Refinance | Cash Out - Other | 6075546 | Investor Post-Close | No | ||||||
| 1477336 | XXXXXXX | XXXXXX | Closed | 2025-11-19 12:02 | 2026-05-14 08:29 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver provided for aged credit report. - Due Diligence Vendor-05/14/2026 Waived-Waiver provided for aged credit report. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-11/21/2025 Open-Borrower 1 Gap Credit Report is Missing Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 45 days from the Note Date. Credit Report in file is dated 52 days prior to Note Date. LQI report is missing from loan file. Lender exception in file does not detail what it is for. Additional conditions may apply. - Due Diligence Vendor-11/19/2025 |
Waived-Waiver provided for aged credit report. - Due Diligence Vendor-05/14/2026 Waived-Waiver provided for aged credit report. - Due Diligence Vendor-11/26/2025 |
Exception Form.pdf | Credit score >10+ more that qualifying Minimal Debts No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 6307949 | Originator Pre-Close | Yes | ||||
| 1477336 | XXXXXXX | XXXXXX | Closed | 2025-11-19 12:05 | 2026-05-12 09:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-11/21/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 45 days from the Note Date. Credit Report in file is dated 52 days prior to Note Date. LQI report is missing from loan file. Lender exception in file does not detail what it is for. Additional conditions may apply. - Due Diligence Vendor-11/19/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/26/2025 |
Exception Form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6307999 | N/A | N/A | |||||
| 9042691 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:49 | 2025-11-07 09:50 | Resolved | 1 - Information | Compliance | Missing Doc | TILA: Loan Estimate Missing or Incomplete | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached initial LE - Buyer-11/07/2025 Open-TILA: Loan Estimate Missing or Incomplete Compliance will be re-reviewed upon receipt of the Initial LE. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 |
Initial LE.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6161460 | N/A | N/A | |||||
| 9042691 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:20 | 2025-11-07 09:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached initial LE - Seller-11/07/2025 Open-Compliance will be re-reviewed upon receipt of the Initial LE. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. Please see attached initial LE - Seller-11/07/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 |
Initial LE.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6160945 | N/A | N/A | ||||
| 9042691 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:20 | 2025-11-07 09:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached initial LE - Buyer-11/07/2025 Open-Compliance will be re-reviewed upon receipt of the Initial LE. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 |
Initial LE.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6160944 | N/A | N/A | |||||
| 9042691 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:20 | 2025-11-07 09:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered At Least Seven Business Days Before Consummation | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached initial LE - Buyer-11/07/2025 Open-Compliance will be re-reviewed upon receipt of the Initial LE. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 |
Initial LE.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6160943 | N/A | N/A | |||||
| 9042691 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:20 | 2025-11-07 09:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached initial LE - Buyer-11/07/2025 Open-Compliance will be re-reviewed upon receipt of the Initial LE. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 |
Initial LE.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6160942 | N/A | N/A | |||||
| 9042691 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:20 | 2025-11-07 09:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 Ready for Review-Document Uploaded. Please see attached initial LE - Seller-11/07/2025 Open-Compliance will be re-reviewed upon receipt of the Initial LE. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. Please see attached initial LE - Seller-11/07/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/07/2025 Resolved-Resolved - Due Diligence Vendor-11/07/2025 |
Initial LE.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6160941 | N/A | N/A | ||||
| 1544089 | XXXXXXX | XXXXXX | Closed | 2025-10-31 09:27 | 2026-05-14 08:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received, Final SS and Disbursement Ledger documents. - Due Diligence Vendor-05/14/2026 Resolved- - Due Diligence Vendor-11/05/2025 Ready for Review-Received Disbursement ledger. Condition cleared. - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please see attached disbursement Ledger and Final SS. Borrower incorrectly strike the payoffs. - Buyer-11/05/2025 Open-Missing evidence of payoffs for XXXX #XXXX, XXX #XXXX, and XXXXX #XXXX that was excluded from the borrower liabilities. Final CD does not reflect paid. Additional conditions may apply - Due Diligence Vendor-10/31/2025 |
Resolved-Received, Final SS and Disbursement Ledger documents. - Due Diligence Vendor-05/14/2026 |
Disbursement Ledger.pdf Final SS.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6081777 | N/A | N/A | |||||
| 1544089 | XXXXXXX | XXXXXX | Closed | 2025-10-31 09:25 | 2025-11-05 17:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/05/2025 Ready for Review-Document Uploaded. Please see attached disbursement Ledger and Final SS. Borrower incorrectly strike the payoffs. - Buyer-11/05/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements missing evidence of debts to be paid at closing. - Due Diligence Vendor-10/31/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/05/2025 |
Final SS.pdf Disbursement Ledger.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6081739 | N/A | N/A | |||||
| 2762813 | XXXXXXX | XXXXXX | Closed | 2025-11-20 09:27 | 2025-11-20 09:27 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 1 day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/20/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 1 day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/20/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) Credit Score >/= 10+ Points more than qualifying. |
FL | Primary Residence | Refinance | Cash Out - Other | 6321287 | Originator Pre-Close | Yes | |||||
| 8189880 | XXXXXXX | XXXXXX | Closed | 2025-11-01 20:51 | 2025-11-18 10:28 | Cured | 2 - Non-Material | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Cured-11/18/25-Received updated Right to cancel to include the spouse and reflecting new rescission date of XX/XX/XXXX along with cover letter, Fedex label and tracking report showing delivery receive date of XX/XX/XXXX. No issues noted. - Due Diligence Vendor-11/18/2025 Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached correct copy of RTC and proof of reopened recession - Buyer-11/18/2025 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-11/02/2025 |
Cured-11/18/25-Received updated Right to cancel to include the spouse and reflecting new rescission date of XX/XX/XXXX along with cover letter, Fedex label and tracking report showing delivery receive date of XX/XX/XXXX. No issues noted. - Due Diligence Vendor-11/18/2025 Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-11/18/2025 |
XXXXXX NRTC signed.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6091628 | N/A | N/A | |||||
| 8189880 | XXXXXXX | XXXXXX | Closed | 2025-11-01 21:05 | 2025-11-10 11:42 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 Resolved-Resolved - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Please see attached PCCD, and Proof of refund - Buyer-11/10/2025 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: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate dated XX/XX/XXXX did not disclose Tax Stamps and Transfer Taxes. Final CD dated XX/XX/XXXX reflects Tax Stamps of $XXX.XX and Transfer Taxes of $XXX.XX. The loan file did not contain a valid COC to support the increase. The loan file contained a Notice of Change Circumstances Reason Closing Disclosure form dated XX/XX/XXXX which addressed the addition of the title fees and increase in recording fees. The COC did not address Tax Stamps and Transfer Taxes which are required for all new mortgage transactions in [redacted]. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/02/2025 Open- - Due Diligence Vendor-11/02/2025 |
Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 Resolved-Resolved - Due Diligence Vendor-11/10/2025 |
PCCD.pdf Proof of Cure.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 6091646 | N/A | N/A | |||||
| 8189880 | XXXXXXX | XXXXXX | Closed | 2025-11-01 21:05 | 2025-11-10 11:41 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 Resolved-Resolved - Due Diligence Vendor-11/10/2025 Ready for Review-Document Uploaded. Please see attached PCCD, and Proof of refund - Buyer-11/10/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Tax Stamps and Transfer Taxes were added to the Closing Disclosure dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-11/02/2025 Open- - Due Diligence Vendor-11/02/2025 |
Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 Resolved-Resolved - Due Diligence Vendor-11/10/2025 |
Proof of Cure.pdf PCCD.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 6091647 | N/A | N/A | |||||
| 9649713 | XXXXXXX | XXXXXX | Closed | 2025-11-14 12:01 | 2025-11-18 14:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-. - Due Diligence Vendor-11/18/2025 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/17/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require verification of rent for borrower's primary housing expense or copy of current lease agreement and two months cancelled checks. Required documentation is missing from loan file. Lender exception in file does not state the reason for the exception. Additional conditions may apply. - Due Diligence Vendor-11/14/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/17/2025 |
Resolved-. - Due Diligence Vendor-11/18/2025 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/18/2025 |
VOR.pdf | WA | Investment | Refinance | Cash Out - Debt Consolidation | 6256910 | N/A | N/A | ||||
| 9649713 | XXXXXXX | XXXXXX | Closed | 2025-11-14 12:02 | 2025-11-18 13:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/18/2025 Resolved-11/18/25-Lender provided VOR dated XX/XX/XXXX reflecting satisfactory rental payments since XXXX through present. No issues noted. - Due Diligence Vendor-11/18/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements . - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/17/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender guidelines require verification of rent for borrower's primary housing expense or copy of current lease agreement and two months cancelled checks. Required documentation is missing from loan file. Lender exception in file does not state the reason for the exception. Additional conditions may apply. - Due Diligence Vendor-11/14/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/17/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/18/2025 Resolved-11/18/25-Lender provided VOR dated XX/XX/XXXX reflecting satisfactory rental payments since XXXX through present. No issues noted. - Due Diligence Vendor-11/18/2025 |
VOR.pdf | WA | Investment | Refinance | Cash Out - Debt Consolidation | 6256929 | N/A | N/A | ||||
| 9649713 | XXXXXXX | XXXXXX | Closed | 2025-11-14 12:01 | 2025-11-18 13:57 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-11/18/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/18/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-11/17/2025 Open-Borrower 1 Gap Credit Report is Missing Lender guidelines require credit report dated within 45 days of Note date. Credit report in file is older than 45 days from Note Date. Lender exception in file does not state the reason for the exception. Additional conditions may apply. - Due Diligence Vendor-11/14/2025 |
Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-11/17/2025 |
Waived- Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-11/18/2025 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/18/2025 |
Exception Form.pdf | WA | Investment | Refinance | Cash Out - Debt Consolidation | 6256909 | Originator Pre-Close | Yes | ||||
| 2313568 | XXXXXXX | XXXXXX | Closed | 2025-10-30 12:10 | 2025-11-04 14:56 | Resolved | 1 - Information | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Coverage is sufficient. Condition cleared. - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please find the attached HOI policy. Dwelling Coverage Amount on HOI policy is $XXX,XXX ($XXX,XXX Dwelling coverage + $XXX,XXX Extended dwelling coverage + $XX,XXX XXX XXX/XXX ) & Required minimum Coverage Amount is $XXX,XXX.XX. - Buyer-11/04/2025 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided. Coverage Amount ($XXX,XXX) & Required Coverage Amount ($XXX,XXX.XX). Additional conditions may apply. - Due Diligence Vendor-10/30/2025 |
Resolved-Coverage is sufficient. Condition cleared. - Due Diligence Vendor-11/04/2025 |
HOI Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6071270 | N/A | N/A | |||||
| 3992007 | XXXXXXX | XXXXXX | Closed | 2025-11-11 13:17 | 2025-11-11 13:17 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 53.68% exceeds Guideline DTI of 43% Lender exception in file to exclude auto lease that was opened 7 months ago as daughter makes the payments and we have bank statements from her individual bank account to support this. Lender guidelines require 12 months of payment history to exclude for DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/11/2025 | Waived-Audited DTI of 53.68% exceeds Guideline DTI of 43% Lender exception in file to exclude auto lease that was opened 7 months ago as daughter makes the payments and we have bank statements from her individual bank account to support this. Lender guidelines require 12 months of payment history to exclude for DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/11/2025 |
1) Employment of 5 years on the same job. 2) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 6212308 | Originator Pre-Close | Yes | |||||
| 1486397 | XXXXXXX | XXXXXX | Closed | 2025-11-24 10:59 | 2026-05-12 09:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Omission of Mortgage Debt - Buyer-11/30/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Per lender guidelines, in order to exclude mortgage debts from the borrower's DTI ratio, the most recent 12 months of cancelled checks (or bank statements) must be obtained from the other party making the payments that document a 12-month payment history with no delinquent payments. Required documentation to exclude mortgage debt from borrower's DTI ratio is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/24/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 |
Omission of Mortgage Debt.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6366244 | N/A | N/A | |||||
| 1486397 | XXXXXXX | XXXXXX | Closed | 2025-11-12 08:51 | 2025-12-01 11:09 | Resolved | 1 - Information | Credit | Borrower | Missing required documentation for debt paid by others | Resolved-Documentation provided for 3rd party covering 12 consecutive payments, all paid as agreed. Finding resolved. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Omission of Mortgage Debt - Buyer-11/30/2025 Open-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Per lender guidelines, in order to exclude mortgage debts from the borrower's DTI ratio, the most recent 12 months of cancelled checks (or bank statements) must be obtained from the other party making the payments that document a 12-month payment history with no delinquent payments. Required documentation to exclude mortgage debt from borrower's DTI ratio is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/12/2025 |
Resolved-Documentation provided for 3rd party covering 12 consecutive payments, all paid as agreed. Finding resolved. - Due Diligence Vendor-12/01/2025 |
Omission of Mortgage Debt.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6222094 | N/A | N/A | |||||
| 7861765 | XXXXXXX | XXXXXX | Closed | 2025-10-10 08:45 | 2025-11-18 13:32 | Cured | 2 - Non-Material | Compliance | State Reg | TX 50(a)(6) Violation: 1st Monthly Payment date greater than 60 days/ 2 months from closing date | Cured-Lender provided evidence rescission was reopened, signed Note with updated due dates, and prepaid interest was already collected correctly per the final CD. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached NOTE and proof of recession reopened - Buyer-11/18/2025 Open-TX 50(a)(6) Violation: 1st Monthly Payment date greater than 60 days/ 2 months from closing date. - Due Diligence Vendor-10/10/2025 |
Cured-Lender provided evidence rescission was reopened, signed Note with updated due dates, and prepaid interest was already collected correctly per the final CD. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 |
XXXXXX - NOTE & NRTC docs.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 5851569 | N/A | N/A | |||||
| 8547643 | XXXXXXX | XXXXXX | Closed | 2025-11-22 10:05 | 2026-05-12 09:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA 1099-k & 1099-NEC ; borrower is XXXX XXXXXX please see VVOE & Payment Ledger through XX/XX - Buyer-11/29/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require verification of the existence of the borrower's business, completed via third party resources, such as: CPA, regulatory agency, or the applicable licensing bureau, Secretary of State websites. VVOE for borrower's self-employment is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/22/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/01/2025 |
VVOE.pdf VVOE.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6354317 | N/A | N/A | |||||
| 8547643 | XXXXXXX | XXXXXX | Closed | 2025-11-22 10:05 | 2025-12-01 11:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Employment adequately verified, finding resolved. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA 1099-k & 1099-NEC ; borrower is XXXX XXXXXX please see VVOE & Payment Ledger through XX/XX - Buyer-11/29/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require verification of the existence of the borrower's business, completed via third party resources, such as: CPA, regulatory agency, or the applicable licensing bureau, Secretary of State websites. VVOE for borrower's self-employment is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/22/2025 |
Resolved-Employment adequately verified, finding resolved. - Due Diligence Vendor-12/01/2025 |
1099-K & 1099-NEC.pdf 1099-K & 1099-NEC.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6354316 | N/A | N/A | |||||
| 9482679 | XXXXXXX | XXXXXX | Closed | 2025-10-20 10:54 | 2026-05-12 09:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2025 Ready for Review-For PA state we do not get Tax cert as its additional chargeable to borrower. We do back calculation using latest Mortgage statement (Escrow amount showing on mortgage statement minus HOI monthly amount = Tax amount). - Buyer-10/24/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing subject property tax documentation. - Due Diligence Vendor-10/20/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-10/30/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 5947439 | N/A | N/A | ||||||
| 9482679 | XXXXXXX | XXXXXX | Closed | 2025-09-30 08:36 | 2025-10-30 09:49 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Proof subject is escrowed in file. - Due Diligence Vendor-10/30/2025 Ready for Review-For PA state we do not get Tax cert as its additional chargeable to borrower. We do back calculation using latest Mortgage statement (Escrow amount showing on mortgage statement minus HOI monthly amount = Tax amount). - Buyer-10/24/2025 Open-Missing subject property tax documentation. - Due Diligence Vendor-09/30/2025 |
Resolved-Proof subject is escrowed in file. - Due Diligence Vendor-10/30/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 5716082 | N/A | N/A | ||||||
| 7003271 | XXXXXXX | XXXXXX | Closed | 2025-10-14 10:48 | 2025-12-18 18:14 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Final Application | Resolved-Received proof of delivery. Condition cleared. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Please see attached Proof that corrected 1003 was delivered to borrower. - Seller-12/18/2025 Counter-Please provide evidence the corrected 1003 was provided to the borrower. Condition maintained. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Please see attached 1003 with correct NMLS ID - Seller-11/26/2025 Open-The Final 1003 is Incomplete Final 1003 in file has incorrect NMLS ID for Broker. Corrected Final 1003 is required. - Due Diligence Vendor-10/14/2025 |
Ready for Review-Document Uploaded. Please see attached Proof that corrected 1003 was delivered to borrower. - Seller-12/18/2025 Ready for Review-Document Uploaded. Please see attached 1003 with correct NMLS ID - Seller-11/26/2025 |
Resolved-Received proof of delivery. Condition cleared. - Due Diligence Vendor-12/19/2025 |
NOTE+1003 - XXXXXX XXXXXX .pdf Delivery Proof.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 5887991 | N/A | N/A | ||||
| 7003271 | XXXXXXX | XXXXXX | Closed | 2025-10-14 10:43 | 2025-12-18 18:10 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Received proof of delivery. Condition cleared. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Please see attached Proof that corrected NOTE was delivered to borrower. - Buyer-12/18/2025 Counter-Please provide evidence the corrected Note was provided to the borrower. Condition maintained. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Please see attached NOTE with correct NMLS ID - Buyer-11/26/2025 Open-The Note is Incomplete Note in file has incorrect NMLS ID for Broker. Corrected Note is required. - Due Diligence Vendor-10/14/2025 |
Resolved-Received proof of delivery. Condition cleared. - Due Diligence Vendor-12/19/2025 |
Delivery Proof.pdf NOTE+1003 - XXXXXX XXXXXX .pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 5887850 | N/A | N/A | |||||
| 7003271 | XXXXXXX | XXXXXX | Closed | 2025-10-14 10:45 | 2025-12-14 17:21 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/14/2025 Ready for Review-Document Uploaded. Please see attached recorded DOT - Seller-12/11/2025 Counter-Please provide evidence the corrected DOT was recorded or a letter from the title company for intent to record the corrected DOT. Condition maintained. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Please see attached DOT with correct NMLS ID - Seller-11/26/2025 Open-The Deed of Trust is Incomplete Deed of Trust in file has incorrect NMLS ID for Broker. Corrected DOT is required. - Due Diligence Vendor-10/14/2025 |
Ready for Review-Document Uploaded. Please see attached recorded DOT - Seller-12/11/2025 Ready for Review-Document Uploaded. Please see attached DOT with correct NMLS ID - Seller-11/26/2025 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/14/2025 |
Scanned Documents_2_Recorded.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5887922 | N/A | N/A | ||||
| 7003271 | XXXXXXX | XXXXXX | Closed | 2025-10-14 11:10 | 2025-12-01 12:39 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided PCCD with corrected NMLS ID and evidence it was provided to the borrower. Condition cleared. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Please see attached PCCD with correct NMLS ID - Buyer-11/26/2025 Open-TRID: Missing Final Closing Disclosure Final CD in file has incorrect NMLS ID for Broker. Corrected Final CD is required. - Due Diligence Vendor-10/14/2025 |
Resolved-Lender provided PCCD with corrected NMLS ID and evidence it was provided to the borrower. Condition cleared. - Due Diligence Vendor-12/01/2025 |
PCCD XXXXXX .pdf | FL | Primary Residence | Refinance | Cash Out - Other | 5888339 | N/A | N/A | |||||
| 2102610 | XXXXXXX | XXXXXX | Closed | 2026-02-07 10:45 | 2026-03-03 08:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received online business search which verifies phone listing for borrower's business dated after Note Date. This is acceptable per Fannie Mae Selling Guide. Condition moved to Resolved. - Due Diligence Vendor-03/03/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please find attached online business search along with business bank statement within 60 days of note date. Borrower is XXXXXXXX and XXXXXXX XXXXX, bank statement reflect deposits of monthly payment. Most recent payment received on XX/XX/XXXX. - Seller-02/27/2026 Counter-Unable to use business bank statement for 3rd Party VVOE. Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Condition remains. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Please find business statement dated XX/XX/XXXX which is used to verify self-employment and is valid till XX/XX/XXXX. Note date is XX/XX/XXXX. - Buyer-02/26/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Borrower’s verification of business is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-02/07/2026 |
Ready for Review-Document Uploaded. Please find attached online business search along with business bank statement within 60 days of note date. Borrower is XXXXXXXX and XXXXXXX XXXXX, bank statement reflect deposits of monthly payment. Most recent payment received on XX/XX/XXXX. - Seller-02/27/2026 |
Resolved-Received online business search which verifies phone listing for borrower's business dated after Note Date. This is acceptable per Fannie Mae Selling Guide. Condition moved to Resolved. - Due Diligence Vendor-03/03/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/03/2026 |
VVOE-Bank Statement.pdf Monthly payment receipt on business statement.docx Online Business Search.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7503414 | N/A | N/A | ||||
| 2102610 | XXXXXXX | XXXXXX | Closed | 2026-02-07 10:45 | 2026-03-03 08:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2026 Ready for Review-Received online business search which verifies phone listing for borrower's business dated after Note Date. This is acceptable per Fannie Mae Selling Guide. Condition moved to Resolved. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please find attached online business search along with business bank statement within 60 days of note date. Borrower is XXXXXXXX and XXXXXXX XXXXX, bank statement reflect deposits of monthly payment. Most recent payment received on XX/XX/XXXX. - Buyer-02/27/2026 Counter-Unable to use business bank statement for 3rd Party VVOE. Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Condition remains. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Please find business statement dated XX/XX/XXXX which is used to verify self-employment and is valid till XX/XX/XXXX. Note date is XX/XX/XXXX. - Buyer-02/26/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Borrower’s verification of business is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-02/07/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2026 |
VVOE-Bank Statement.pdf Online Business Search.pdf Monthly payment receipt on business statement.docx |
CA | Primary Residence | Refinance | Cash Out - Other | 7503413 | N/A | N/A | |||||
| 5770962 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:08 | 2026-05-12 09:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/19/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require Court-Recorded XXXXXXX XXXXXX, XXXXX XXXXXXX XXXXXXXXX, or XXXXXXXXXX XXXXXXXXX along with proof of receipt for 6 months for XXXXX XXXXXXX income. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/21/2025 |
XXXXXX XXXXXXX Income documents.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6160718 | N/A | N/A | |||||
| 5770962 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:50 | 2025-11-21 12:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing XXXXXXX/XXXXXX XXXXXXX Documentation | Resolved-Sufficient documentation provided. - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/19/2025 Open-Missing verification of the amount of XXXXXXX/XXXXX XXXXXX. Lender guidelines require Court-Recorded XXXXXXX XXXXXX, XXXXX XXXXXXX XXXXXXXXX, or XXXXXXXXXX XXXXXXXXX along with proof of receipt for 6 months for XXXXX XXXXXXX income. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-11/21/2025 |
XXXXXX XXXXXXX Income documents.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6161493 | N/A | N/A | |||||
| 6350587 | XXXXXXX | XXXXXX | Closed | 2025-10-18 15:01 | 2025-11-10 13:40 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 45.32% exceeds Guideline DTI of 43% Lender exception in file to exceed max 43% DTI for 80% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/18/2025 | Waived-Audited DTI of 45.32% exceeds Guideline DTI of 43% Lender exception in file to exceed max 43% DTI for 80% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/18/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
OH | Primary Residence | Refinance | Cash Out - Other | 5940619 | Originator Pre-Close | Yes | |||||
| 6350587 | XXXXXXX | XXXXXX | Closed | 2025-11-10 13:17 | 2025-11-10 13:18 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 |
OH | Primary Residence | Refinance | Cash Out - Other | 6198321 | Investor Post-Close | No | ||||||
| 4512357 | XXXXXXX | XXXXXX | Closed | 2026-01-02 11:01 | 2026-01-07 15:38 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/05/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements 1) B1: Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 15 business days prior to Note Date. Additional conditions may apply. 2) B2: Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B2 is dated 16 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/02/2026 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/05/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/07/2026 |
wvoe XXXXXX XXXXXX .pdf WVOE XXXXXX .pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 6896705 | N/A | N/A | ||||
| 4512357 | XXXXXXX | XXXXXX | Closed | 2025-12-05 12:26 | 2026-01-07 15:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/07/2026 Resolved-Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached VVOE. - Buyer-01/05/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B2 is dated 16 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/02/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/07/2026 Resolved-Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 |
wvoe XXXXXX XXXXXX .pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6507526 | N/A | N/A | |||||
| 4512357 | XXXXXXX | XXXXXX | Closed | 2025-12-05 12:26 | 2026-01-07 15:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/07/2026 Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached VVOE. - Buyer-01/05/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 15 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/02/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/07/2026 Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 |
WVOE XXXXXX .pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6507525 | N/A | N/A | |||||
| 4512357 | XXXXXXX | XXXXXX | Closed | 2026-01-02 11:05 | 2026-01-02 11:05 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 6896802 | Investor Post-Close | No | ||||||
| 4207871 | XXXXXXX | XXXXXX | Closed | 2025-12-16 06:58 | 2025-12-18 18:30 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for the borrower(s) | Resolved-Received accepted consent doc. Condition cleared. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. E-consent attached - Buyer-12/18/2025 Open-E-Consent documentation is missing for the borrower(s). Copy of E-Consent in file is not signed by borrower. - Due Diligence Vendor-12/17/2025 |
Resolved-Received accepted consent doc. Condition cleared. - Due Diligence Vendor-12/19/2025 |
XXXXXX e-consent.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6639242 | N/A | N/A | |||||
| 4207871 | XXXXXXX | XXXXXX | Closed | 2025-11-30 11:13 | 2025-11-30 11:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-11/30/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-11/30/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6422904 | Investor Post-Close | No | ||||||
| 5688581 | XXXXXXX | XXXXXX | Closed | 2025-10-31 10:04 | 2025-10-31 10:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/31/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6082477 | Investor Post-Close | No | ||||||
| 7771916 | XXXXXXX | XXXXXX | Closed | 2025-10-22 16:06 | 2025-11-11 14:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 78.05% exceeds Guideline HCLTV of 75% Lender Guideline states for loan amounts $250,001 to $400,000 CLTV ≤ 75%. Documentation in File indicates 78.05%. However, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/22/2025 | Waived-Audited HLTV of 78.05% exceeds Guideline HCLTV of 75% Lender Guideline states for loan amounts $XXX,XXX to $XXX,XXX CLTV ≤ 75%. Documentation in File indicates 78.05%. However, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/22/2025 |
1.DTI <5% below the Maximum Qualifying 2.Employment for an extended period at the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 5979063 | Originator Pre-Close | Yes | |||||
| 7771916 | XXXXXXX | XXXXXX | Closed | 2025-10-22 16:06 | 2025-11-11 14:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 78.05% exceeds Guideline CLTV of 75% Lender Guideline states for loan amounts $250,001 to $400,000 CLTV ≤ 75%. Documentation in File indicates 78.05%. However, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/22/2025 | Waived-Audited CLTV of 78.05% exceeds Guideline CLTV of 75% Lender Guideline states for loan amounts $XXX,XXX to $XXX,XXX CLTV ≤ 75%. Documentation in File indicates 78.05%. However, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/22/2025 |
1.DTI <5% below the Maximum Qualifying 2.Employment for an extended period at the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 5979062 | Originator Pre-Close | Yes | |||||
| 9998273 | XXXXXXX | XXXXXX | Closed | 2025-11-18 15:03 | 2025-11-18 15:03 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for Credit Report dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/18/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for Credit Report dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/18/2025 |
1) DTI <5% below the Maximum Qualifying. 2) Employment for an extended period at the same job. 3) Minimal debts / Revolving accounts. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6295356 | Originator Pre-Close | Yes | |||||
| 9998273 | XXXXXXX | XXXXXX | Closed | 2025-11-18 15:03 | 2025-11-18 15:03 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for Credit Report dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/18/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for Credit Report dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/18/2025 |
1) DTI <5% below the Maximum Qualifying. 2) Employment for an extended period at the same job. 3) Minimal debts / Revolving accounts. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6295357 | Originator Pre-Close | Yes | |||||
| 5981878 | XXXXXXX | XXXXXX | Closed | 2026-02-11 06:06 | 2026-03-10 15:03 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.26% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. As per guideline 4-4-4: Loans exceeding the standard DTI threshold of 43% remain eligible up to a maximum DTI of 50%, subject to a documented DTI pricing adjustment. Please find the attached Rate lock and Pricing. This is HELOAN and using interest rate 10.000% per Max Comp option and adjusted rate per attached matrix is 10.875% which is used to qualify. - Buyer-03/05/2026 Open-Audited DTI of 49.26% exceeds Guideline DTI of 43% As per the jumbo guidelines the max DTI goes upto 43% papge#15 of XXXXXX XXXXXXX - Due Diligence Vendor-02/11/2026 |
Waived-Audited DTI of 49.26% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 |
Product and Pricing.pdf Exception Form.pdf Guideline.pdf |
with current employer 9 years 36+ months 0X30 housing payment history |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7554735 | Originator Pre-Close | Yes | ||||
| 9804170 | XXXXXXX | XXXXXX | Closed | 2026-01-22 08:26 | 2026-01-26 10:32 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Rent free letter received. - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Please find attached rent free LOE. - Buyer-01/23/2026 Open-Borrower living rent free letter, as noted on loan approval and 1008, is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |
Resolved-Rent free letter received. - Due Diligence Vendor-01/26/2026 |
Rent free LOE.pdf | WA | Investment | Refinance | Cash Out - Other | 7240014 | N/A | N/A | |||||
| 9804170 | XXXXXXX | XXXXXX | Closed | 2026-01-22 08:06 | 2026-01-22 08:07 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend credit to 85 days with no LQI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend credit to 85 days with no LQI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026 |
1) DTI < 5% below the Maximum Qualifying. 2) Credit Score >/= 10+ Points more than qualifying. |
WA | Investment | Refinance | Cash Out - Other | 7239661 | Originator Pre-Close | Yes | |||||
| 2778038 | XXXXXXX | XXXXXX | Closed | 2025-10-21 09:34 | 2025-10-27 11:03 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Lender provided NORTC signed by borrower and trustee. Condition cleared. - Due Diligence Vendor-10/27/2025 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/27/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-10/25/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties Right to cancel was not provided to borrower and non-borrower. Additional conditions may apply. - Due Diligence Vendor-10/21/2025 |
Resolved-Lender provided NORTC signed by borrower and trustee. Condition cleared. - Due Diligence Vendor-10/27/2025 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-10/27/2025 |
NRTC.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 5957468 | N/A | N/A | |||||
| 6984226 | XXXXXXX | XXXXXX | Closed | 2025-11-08 09:50 | 2026-05-12 09:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. 12/05 -PFA Master Policy - Buyer-12/05/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Master Policy Expiration Date of XX/XX/XXXX is Prior To the Consummation Date of XX/XX/XXXX. - Due Diligence Vendor-11/08/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/08/2025 |
XXXXXX Master Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6183548 | N/A | N/A | |||||
| 6984226 | XXXXXXX | XXXXXX | Closed | 2025-11-08 09:42 | 2025-12-08 13:49 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. PFA Master policy - Buyer-12/05/2025 Open-Master Policy Expiration Date of XX/XX/XXXX is Prior To the Transaction Date of XX/XX/XXXX Master Policy Expiration Date of XX/XX/XXXX is Prior To the Consummation Date of XX/XX/XXXX. - Due Diligence Vendor-11/21/2025 |
Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-12/08/2025 |
XXXXXX Master Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6183516 | N/A | N/A | |||||
| 2550495 | XXXXXXX | XXXXXX | Closed | 2026-01-07 11:01 | 2026-05-12 09:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/09/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statement for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/12/2026 |
Mortgage Statement.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6962891 | N/A | N/A | |||||
| 2550495 | XXXXXXX | XXXXXX | Closed | 2026-01-07 11:04 | 2026-05-12 09:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Please provide all pages of lease agreement for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/12/2026 |
Lease Agreement.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6963255 | N/A | N/A | |||||
| 2550495 | XXXXXXX | XXXXXX | Closed | 2026-01-07 11:41 | 2026-01-12 14:41 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 74.98% exceeds Guideline CLTV of 70% Exception with valid comp factors received. - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/09/2026 Open-Audited CLTV of 74.98% exceeds Guideline CLTV of 70% The Audited CLTV of 74.98% exceeds Guideline CLTV of 70%. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/09/2026 |
Waived-Audited CLTV of 74.98% exceeds Guideline CLTV of 70% Exception with valid comp factors received. - Due Diligence Vendor-01/12/2026 |
exception form.pdf | Extended time at the same job 36+mo 0x30 housing payment history |
FL | Primary Residence | Refinance | Cash Out - Other | 6964093 | Originator Pre-Close | Yes | |||
| 2550495 | XXXXXXX | XXXXXX | Closed | 2026-01-07 11:41 | 2026-01-12 14:41 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 74.98% exceeds Guideline HCLTV of 70% Exception with valid comp factors received. - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/09/2026 Open-Audited HLTV of 74.98% exceeds Guideline HCLTV of 70% The Audited HLTV of 74.98% exceeds Guideline HCLTV of 70%. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/09/2026 |
Waived-Audited HLTV of 74.98% exceeds Guideline HCLTV of 70% Exception with valid comp factors received. - Due Diligence Vendor-01/12/2026 |
exception form.pdf | Extended time at the same job 36+mo 0x30 housing payment history |
FL | Primary Residence | Refinance | Cash Out - Other | 6964094 | Originator Pre-Close | Yes | |||
| 2550495 | XXXXXXX | XXXXXX | Closed | 2026-01-07 11:38 | 2026-01-12 14:36 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/09/2026 Open-1) Please provide current mortgage statement for investment property (REO 3b) listed on Final 1003. Additional conditions may apply 2) Please provide all pages of lease agreement for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/09/2026 |
Resolved-Received - Due Diligence Vendor-01/12/2026 |
Mortgage Statement.pdf Lease Agreement.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 6964032 | N/A | N/A | ||||
| 2550495 | XXXXXXX | XXXXXX | Closed | 2026-01-07 11:07 | 2026-01-07 11:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 6963306 | Investor Post-Close | No | ||||||
| 9228373 | XXXXXXX | XXXXXX | Closed | 2026-02-18 12:20 | 2026-02-20 13:44 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Approved exception dated prior to consummation received. Compensating factors validated. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/19/2026 Open-Lender guidelines require an exception to use power of attorney on cash-out transactions. Exception is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |
Resolved-Approved exception dated prior to consummation received. Compensating factors validated. - Due Diligence Vendor-02/20/2026 |
exception form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7681976 | N/A | N/A | |||||
| 8649860 | XXXXXXX | XXXXXX | Closed | 2025-10-28 13:10 | 2025-10-31 13:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2025 |
TN | Primary Residence | Refinance | Cash Out - Other | 6041092 | Investor Post-Close | No | ||||||
| 8789833 | XXXXXXX | XXXXXX | Closed | 2025-11-05 05:27 | 2026-05-12 10:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-12/04/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/04/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements . - Due Diligence Vendor-12/04/2025 Ready for Review-PITI of $1009.00 has been already included in DTI for investment property XXXX XXXX XXXXX XXX, however Authorized user a/c XXXXXXXX XXXXXXX #XXXX with payment $XXXX has been excluded from DTI. Kindly re-verify the DTI by doing manual calculation. - Seller-12/02/2025 Counter-Documentation provided does not indicate rental is included and matches initial documents. Total All Payments on 1003= subject PITIA and credit repot debts. Investment property payment of $XXXX is not included. - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. PITI of $1009.00 has been included in DTI for investment property XXXX XXXX XXXXX XXX. Please find the updated 1008 and 1003. - Buyer-11/19/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements As per the final application, the borrower owns an investment property, and the lender is excluding PITI from the DTI calculation on the basis that the payments were made by the borrower’s mother. However, there is no documentation in the loan file to support the exclusion from the DTI. Provide documentation to exclude payment from DTI. - Due Diligence Vendor-11/05/2025 |
Ready for Review-PITI of $1009.00 has been already included in DTI for investment property XXXX XXXX XXXXX XXX, however Authorized user a/c XXXXXXX XXXXXXX #XXXX with payment $XXXX has been excluded from DTI. Kindly re-verify the DTI by doing manual calculation. - Seller-12/02/2025 |
Resolved-. - Due Diligence Vendor-12/04/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/04/2025 |
1003.pdf 1003.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6129216 | N/A | N/A | ||||
| 8789833 | XXXXXXX | XXXXXX | Closed | 2025-11-05 05:26 | 2025-12-04 14:30 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Removing the authorized user account brings the DTI to 49.54%. Condition cleared. - Due Diligence Vendor-12/04/2025 Ready for Review-PITI of $1009.00 has been already included in DTI for investment property XXXX XXXX XXXXX XXX, however Authorized user a/c XXXXXXX XXXXXXX #XXXX with payment $XXXX has been excluded from DTI. Kindly re-verify the DTI by doing manual calculation. - Seller-12/02/2025 Counter-Documentation provided does not indicate rental is included and matches initial documents. Total All Payments on 1003= subject PITIA and credit repot debts. Investment property payment of $XXXX is not included. - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. PITI of $1009.00 has been included in DTI for investment property XXXX XXXX XXXXX XXX. Please find the updated 1008 and 1003. - Seller-11/19/2025 Open-As per the final application, the borrower owns an investment property, and the lender is excluding PITI from the DTI calculation on the basis that the payments were made by the borrower’s mother. However, there is no documentation in the loan file to support the exclusion from the DTI. Provide documentation to exclude payment from DTI. - Due Diligence Vendor-11/05/2025 |
Ready for Review-PITI of $1009.00 has been already included in DTI for investment property XXXX XXXX XXXXX XXX, however Authorized user a/c XXXXXXX XXXXXXX #XXXX with payment $XXXX has been excluded from DTI. Kindly re-verify the DTI by doing manual calculation. - Seller-12/02/2025 Ready for Review-Document Uploaded. PITI of $1009.00 has been included in DTI for investment property XXXX XXXX XXXXX XXX. Please find the updated 1008 and 1003. - Seller-11/19/2025 |
Resolved-Removing the authorized user account brings the DTI to 49.54%. Condition cleared. - Due Diligence Vendor-12/04/2025 |
1008.pdf 1008.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6129200 | N/A | N/A | ||||
| 8789833 | XXXXXXX | XXXXXX | Closed | 2025-10-28 14:32 | 2025-12-04 14:30 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Removing the authorized user account brings the DTI to 49.54%. Condition cleared. - Due Diligence Vendor-12/04/2025 Ready for Review-PITI of $1009.00 has been already included in DTI for investment property XXXX XXXX XXXXX XXX, however Authorized user a/c XXXXXXX XXXXXXX #XXXX with payment $XXXX has been excluded from DTI. Kindly re-verify the DTI by doing manual calculation. - Buyer-12/02/2025 Counter-Documentation provided does not indicate rental is included and matches initial documents. Total All Payments on 1003= subject PITIA and credit repot debts. Investment property payment of $XXXX is not included. - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. PITI of $1009.00 has been included in DTI for investment property XXXX XXXX XXXXX XXX. Please find the updated 1008 and 1003. - Seller-11/19/2025 Open-Audited DTI of 62.74% exceeds Guideline DTI of 50% As per the final application, the borrower owns an investment property, and the lender is excluding PITI from the DTI calculation on the basis that the payments were made by the borrower’s mother. However, there is no documentation in the loan file to support the exclusion from the DTI. Provide documentation to exclude payment from DTI. - Due Diligence Vendor-10/28/2025 |
Ready for Review-Document Uploaded. PITI of $1009.00 has been included in DTI for investment property XXXX XXXX XXXXX XXX. Please find the updated 1008 and 1003. - Seller-11/19/2025 |
Resolved-Removing the authorized user account brings the DTI to 49.54%. Condition cleared. - Due Diligence Vendor-12/04/2025 |
1003.pdf 1003.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6042715 | N/A | N/A | ||||
| 2622978 | XXXXXXX | XXXXXX | Closed | 2025-11-10 05:45 | 2025-11-24 08:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 45.68% exceeds Guideline DTI of 45% Lender exception in file to go above 45% DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/10/2025 | Waived-Audited DTI of 45.68% exceeds Guideline DTI of 45% Lender exception in file to go above 45% DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/10/2025 |
1) Employment for an extended period at the same job. 2) No derogatory events. |
OR | Primary Residence | Refinance | Cash Out - Other | 6190077 | Originator Pre-Close | Yes | |||||
| 2622978 | XXXXXXX | XXXXXX | Closed | 2025-11-10 05:19 | 2025-11-24 08:50 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 | OR | Primary Residence | Refinance | Cash Out - Other | 6189837 | Investor Post-Close | No | |||||||
| 2626498 | XXXXXXX | XXXXXX | Closed | 2025-11-10 10:37 | 2025-11-10 10:37 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.99% exceeds Guideline DTI of 45% Lender Exception in file to go to 49% DTI, 80% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/10/2025 | Waived-Audited DTI of 48.99% exceeds Guideline DTI of 45% Lender Exception in file to go to 49% DTI, 80% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/10/2025 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6194292 | Originator Pre-Close | Yes | |||||
| 7169438 | XXXXXXX | XXXXXX | Closed | 2025-12-05 08:51 | 2025-12-05 08:51 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 10-day extension for LQI expiration as credit report in file is dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-12/05/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 10-day extension for LQI expiration as credit report in file is dated more than 45 days prior to Note Date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-12/05/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying |
PA | Primary Residence | Refinance | Cash Out - Other | 6502155 | Originator Pre-Close | Yes | |||||
| 6227158 | XXXXXXX | XXXXXX | Closed | 2025-12-08 18:33 | 2025-12-08 18:33 | Waived | 2 - Non-Material | Property | Third Party Valuation | Secondary valuation product is not within tolerance | Waived-The qualifying AVM property value is $$XXX,XXX compared to the AVM dated XX/XX/XXXX with a value of $XXX,XXX.The file contains a pre consummation approved exception to use the AVM with the higher value. - Due Diligence Vendor-12/09/2025 | Waived-The qualifying AVM property value is $XXX,XXX compared to the AVM dated XX/XX/XXXX with a value of $XXX,XXX.The file contains a pre consummation approved exception to use the AVM with the higher value. - Due Diligence Vendor-12/09/2025 |
The AVM used has a confidence score of 94, vs the AVM with the lower value confidence score of 94.0 | CA | Investment | Refinance | Cash Out - Other | 6539776 | Originator Pre-Close | Yes | |||||
| 2956218 | XXXXXXX | XXXXXX | Closed | 2025-10-28 09:13 | 2025-11-04 13:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/04/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-11/04/2025 Ready for Review-For PA state we do not get Tax cert as its additional chargeable to borrower. We do back calculation using Mortgage statement Escrow payment monthly minus HOI monthly = Tax amount. - Buyer-10/29/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements. - Due Diligence Vendor-10/28/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/04/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6035220 | N/A | N/A | ||||||
| 2956218 | XXXXXXX | XXXXXX | Closed | 2025-10-28 09:01 | 2025-11-04 13:09 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/04/2025 Ready for Review-For PA state we do not get Tax cert as its additional chargeable to borrower. We do back calculation using Mortgage statement Escrow payment monthly minus HOI monthly = Tax amount. - Buyer-10/29/2025 Open-Missing Evidence of Property Tax Audited property taxes do not match property taxes used by originator. Additional conditions may apply. - Due Diligence Vendor-10/28/2025 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/04/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6035001 | N/A | N/A | ||||||
| 1300764 | XXXXXXX | XXXXXX | Closed | 2025-11-21 09:29 | 2025-12-01 11:46 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/01/2025 Resolved-1099 Employment verified. Finding resolved. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Borrower1 is [redacted] at [redacted] & receives 1099-NEC reported on Schd C. PFA [redacted] Secretary of State - Buyer-11/28/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require self-employed borrower's business to be verified through a third-party source within 60 days of the Note Date. VVOE for B1 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/01/2025 Resolved-1099 Employment verified. Finding resolved. - Due Diligence Vendor-12/01/2025 |
Search _ [redacted] Secretary of State.pdf Search _ [redacted] Secretary of State.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6340169 | N/A | N/A | |||||
| 1300764 | XXXXXXX | XXXXXX | Closed | 2025-11-21 09:29 | 2025-12-01 11:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/01/2025 Resolved-1099 Employment verified. Finding resolved. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. Borrower1 is [redacted] at [redacted] & receives 1099-NEC reported on Schd C. PFA [redacted] Secretary of State - Buyer-11/28/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require self-employed borrower's business to be verified through a third-party source within 60 days of the Note Date. VVOE for B1 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/01/2025 Resolved-1099 Employment verified. Finding resolved. - Due Diligence Vendor-12/01/2025 |
1099-NEC.pdf 1099-NEC.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6340168 | N/A | N/A | |||||
| 9248353 | XXXXXXX | XXXXXX | Closed | 2025-10-22 05:52 | 2025-11-12 10:51 | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Lender guideline states for loan amounts $250,001 to $400,000 "AVM used for Subject Property Value must have an FSD ≤ 0.10". Provided AVM reflects FSD of 0.11. However, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2025 | Waived-Lender guideline states for loan amounts $250,001 to $400,000 "AVM used for Subject Property Value must have an FSD ≤ 0.10". Provided AVM reflects FSD of 0.11. However, Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2025 |
1.Employment for an extended period at the same job = 20 years 2.Credit Score > = 10+ Points more than qualifying 3.No derogatory events |
CA | Second Home | Refinance | Cash Out - Other | 5968211 | Originator Pre-Close | Yes | |||||
| 4572284 | XXXXXXX | XXXXXX | Closed | 2025-12-08 07:20 | 2026-01-27 11:20 | Cured | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Cured-Proof of Reopened rescission received. - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Recession reopened - Buyer-01/26/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary). Additional conditions may apply. - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-12/08/2025 |
Cured-Proof of Reopened rescission received. - Due Diligence Vendor-01/27/2026 |
Delivery Proof.pdf Cover Letter_Auger.pdf XX/XX/XXXXT18_20_37-FedEx-Shipping-Label.pdf XXXXXX NRTC.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6525280 | N/A | N/A | |||||
| 4572284 | XXXXXXX | XXXXXX | Closed | 2025-12-08 11:02 | 2026-01-15 10:03 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/14/2026 Open-Require supporting document to verify actual monthly payment for debt-28 listed on final 1003 for borrower. Additional conditions may apply. - Due Diligence Vendor-12/08/2025 |
Resolved-Received - Due Diligence Vendor-01/15/2026 |
Service Finance Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6530364 | N/A | N/A | |||||
| 4572284 | XXXXXXX | XXXXXX | Closed | 2026-01-13 13:01 | 2026-01-15 10:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/14/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Require supporting document to verify actual monthly payment for debt-28 listed on final 1003 for borrower. Additional conditions may apply. - Due Diligence Vendor-01/13/2026 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/14/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/15/2026 |
Service Finance Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7071194 | N/A | N/A | ||||
| 4572284 | XXXXXXX | XXXXXX | Closed | 2025-12-08 11:00 | 2026-01-13 13:30 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-GL mentioned as ineligible dwelling type for property with 11 acres and exclude debt with 11 payments is acceptable. However, exception provided for property with 11 acres and excluded the debt with 11 payments. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/08/2025 | Waived-GL mentioned as ineligible dwelling type for property with XX acres and exclude debt with 11 payments is acceptable. However, exception provided for property with XX acres and excluded the debt with 11 payments. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/08/2025 |
Compensating factors are verified and validated. 1. CLTV <5% below the Maximum Qualifying 2. 36+ Months 0x30 housing payment history 3. No derogatory events 4. Full appraisal supports value |
CA | Primary Residence | Refinance | Cash Out - Other | 6530319 | Originator Pre-Close | Yes | |||||
| 5766577 | XXXXXXX | XXXXXX | Closed | 2025-11-17 13:35 | 2025-11-17 13:35 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/17/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/17/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6278135 | Investor Post-Close | No | ||||||
| 8464585 | XXXXXXX | XXXXXX | Closed | 2025-12-12 13:21 | 2025-12-12 13:21 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go up to 60 days before LQI is required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-12/12/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go up to 60 days before LQI is required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-12/12/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 6606993 | Originator Pre-Close | Yes | |||||
| 1169803 | XXXXXXX | XXXXXX | Closed | 2025-11-21 08:42 | 2025-11-26 09:28 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender confirmed the LE dated XX/XX/XXXX was not disclosed to the borrower. This is confirmed via the Disclosure Tracker. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-Resolved - Due Diligence Vendor-11/26/2025 Ready for Review-Please refer Page 267 of package. Initial LE was disclosed on XX/XX/XXXX, not XX/XX/XXXX. So LE Dated XX/XX/XXXX is not to be considered as the same was not issued to the borrower. Please consider XX/XX/XXXX as baseline - Buyer-11/26/2025 Ready for Review-Broker Fee on initial LE is $X,XXX.XX. so baseline has $X,XXX.XX and final CD has $X,XXX.XX. There is no cure. Invalid finding. - Seller-11/26/2025 Counter-Please provide a valid COC for the increase in Broker Fee from $X,XXX on the initial LE to $X,XXX.XX on the final CD. If a valid COC is not provided, a tolerance cure of $XXX.XX will be required. Condition maintained. - Due Diligence Vendor-11/25/2025 Open- - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. Please see attached LE dated XX/XX/XXXX. There is no cure. Please waive the condition - Buyer-11/25/2025 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Change Circumstance issued XX/XX/XXXX missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Ready for Review-Broker Fee on initial LE is $X,XXX.XX. so baseline has $X,XXX.XX and final CD has $XXXX.XX. There is no cure. Invalid finding. - Seller-11/26/2025 |
Resolved-Lender confirmed the LE dated XX/XX/XXXX was not disclosed to the borrower. This is confirmed via the Disclosure Tracker. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-Resolved - Due Diligence Vendor-11/26/2025 |
Loan Estimat.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6339269 | N/A | N/A | ||||
| 1169803 | XXXXXXX | XXXXXX | Closed | 2025-11-21 08:42 | 2025-11-26 09:28 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender confirmed the LE dated XX/XX/XXXX was not disclosed to the borrower. This is confirmed via the Disclosure Tracker. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-Resolved - Due Diligence Vendor-11/26/2025 Ready for Review-Please refer Page 267 of package. Initial LE was disclosed on XX/XX, not XX/XX/XXXX. So LE Dated XX/XX/XXXX is not to be considered as the same was not issued to the borrower. Please consider XX/XX/XXXX as baseline - Seller-11/26/2025 Ready for Review-Broker Fee on initial LE is $X,XXX.XX. so baseline has $X,XXX.XX and final CD has $X,XXX.XX. There is no cure. Invalid finding. - Buyer-11/26/2025 Counter-Please provide a valid COC for the increase in Broker Fee from $X,XXX.XX on the initial LE to $X,XXX.XX on the final CD. If a valid COC is not provided, a tolerance cure of $XXX.XX will be required. Condition maintained. - Due Diligence Vendor-11/25/2025 Open- - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. Please see attached LE dated XX/XX/XXXX. There is no cure. Please waive the condition - Seller-11/25/2025 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) 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. Change Circumstance issued XX/XX/XXXX missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Ready for Review-Please refer Page 267 of package. Initial LE was disclosed on XX/XX/XXXX, not XX/XX/XXXX. So LE Dated XX/XX/XXXX is not to be considered as the same was not issued to the borrower. Please consider XX/XX/XXXX as baseline - Seller-11/26/2025 Ready for Review-Document Uploaded. Please see attached LE dated XX/XX/XXXX. There is no cure. Please waive the condition - Seller-11/25/2025 |
Resolved-Lender confirmed the LE dated XX/XX/XXXX was not disclosed to the borrower. This is confirmed via the Disclosure Tracker. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-Resolved - Due Diligence Vendor-11/26/2025 |
Loan Estimat.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6339268 | N/A | N/A | ||||
| 1169803 | XXXXXXX | XXXXXX | Closed | 2025-11-21 08:26 | 2025-11-21 08:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6339041 | Investor Post-Close | No | ||||||
| 3971294 | XXXXXXX | XXXXXX | Closed | 2025-10-18 04:16 | 2025-11-19 06:38 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-11/19/25-Lender provided acceptable AVM reflecting a confidence score of 93 and dated XX/XX/XXXX supporting appraised value used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/13/2025 Open-Appraisal or other primary valuation product is missing AVM is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-10/18/2025 |
Resolved-11/19/25-Lender provided acceptable AVM reflecting a confidence score of 93 and dated XX/XX/XXXX supporting appraised value used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-11/19/2025 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5939654 | N/A | N/A | |||||
| 3971294 | XXXXXXX | XXXXXX | Closed | 2025-10-21 04:08 | 2025-11-19 06:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-11/19/25-Lender provided XXX statement for subject property reflecting XXX fees matching amount used to qualify. No issues - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/14/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing documentation to validate XXX dues for the subject property. Additional conditions may apply. - Due Diligence Vendor-10/21/2025 |
Resolved-11/19/25-Lender provided XXX statement for subject property reflecting XXX fees matching amount used to qualify. No issues - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/19/2025 |
XXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5954608 | N/A | N/A | |||||
| 3971294 | XXXXXXX | XXXXXX | Closed | 2025-10-21 04:12 | 2025-11-19 06:35 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-11/19/25-Lender provided XXX statement for subject property reflecting XXX fees matching amount used to qualify. No issues - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/14/2025 Open-Missing documentation to validate XXX dues for the subject property. Additional conditions may apply. - Due Diligence Vendor-10/21/2025 |
Resolved-11/19/25-Lender provided XXX statement for subject property reflecting XXX fees matching amount used to qualify. No issues - Due Diligence Vendor-11/19/2025 |
XXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 5954617 | N/A | N/A | |||||
| 5777797 | XXXXXXX | XXXXXX | Closed | 2025-10-21 10:08 | 2025-10-23 08:09 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender provided exception to extend credit report expiration to 60 days to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/21/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender provided exception to extend credit report expiration to 60 days to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/21/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. 3) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5958106 | Originator Pre-Close | Yes | |||||
| 5777797 | XXXXXXX | XXXXXX | Closed | 2025-10-21 10:08 | 2025-10-23 08:08 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender provided exception to extend credit report expiration to 60 days to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/21/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender provided exception to extend credit report expiration to 60 days to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/21/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. 3) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5958105 | Originator Pre-Close | Yes | |||||
| 2923884 | XXXXXXX | XXXXXX | Closed | 2025-11-12 15:22 | 2025-11-12 15:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6229914 | Investor Post-Close | No | ||||||
| 6655909 | XXXXXXX | XXXXXX | Closed | 2025-10-31 07:50 | 2025-11-04 10:16 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided e-consent for borrower and vested owner. Condition cleared. - Due Diligence Vendor-11/04/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/04/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/04/2025 Open-E-Consent documentation is missing for borrower(s). Disclosure Tracking is missing - Due Diligence Vendor-10/31/2025 |
Resolved-Lender provided e-consent for borrower and vested owner. Condition cleared. - Due Diligence Vendor-11/04/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/04/2025 |
E-consent.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6080221 | N/A | N/A | |||||
| 7557440 | XXXXXXX | XXXXXX | Closed | 2025-11-05 14:00 | 2025-11-18 17:23 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/05/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE_.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 6143322 | N/A | N/A | |||||
| 7557440 | XXXXXXX | XXXXXX | Closed | 2025-11-13 10:59 | 2025-11-18 17:23 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($X.XX). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Processing Fee, Abstract Or Title Search Fee, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE_.pdf CD.pdf |
MD | Primary Residence | Refinance | Cash Out - Other | 6240342 | N/A | N/A | |||||
| 7557440 | XXXXXXX | XXXXXX | Closed | 2025-11-13 10:59 | 2025-11-18 17:23 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Loan Origination Fee, Credit Report Fee, Flood Certification Fee, Compliance Testing 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)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
CD.pdf LE_.pdf |
MD | Primary Residence | Refinance | Cash Out - Other | 6240349 | N/A | N/A | |||||
| 7557440 | XXXXXXX | XXXXXX | Closed | 2025-11-13 10:59 | 2025-11-18 17:23 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-11/18/2025 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: Doc Tax Stamps/Transfer Taxes – State, Loan Origination Fee, Credit Report Fee, Flood Certification Fee, Compliance Testing 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)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-11/18/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE_.pdf CD.pdf |
MD | Primary Residence | Refinance | Cash Out - Other | 6240346 | N/A | N/A | ||||
| 7557440 | XXXXXXX | XXXXXX | Closed | 2025-11-13 10:59 | 2025-11-18 17:23 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($X.XX). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Settlement or Closing Fee, Processing Fee, Abstract Or Title Search Fee, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE_.pdf CD.pdf |
MD | Primary Residence | Refinance | Cash Out - Other | 6240343 | N/A | N/A | |||||
| 3490559 | XXXXXXX | XXXXXX | Closed | 2025-11-06 08:21 | 2025-11-26 12:27 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Lender provided NORTC. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/26/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties Missing Notice of Right to Cancel from loan file. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-11/26/2025 |
Resolved-Lender provided NORTC. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/26/2025 |
NRTC.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 6152312 | N/A | N/A | ||||
| 3490559 | XXXXXXX | XXXXXX | Closed | 2025-11-21 10:31 | 2025-11-26 12:27 | Resolved | 1 - Information | Compliance | Missing Doc | Final Closing Disclosure is missing or incomplete | Resolved-Lender provided signature page of the CD. Condition cleared. - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/26/2025 Open-Final Closing Disclosure is missing or incomplete Missing signature page for Final Closing Disclosure. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 |
Resolved-Lender provided signature page of the CD. Condition cleared. - Due Diligence Vendor-11/26/2025 |
CD.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 6341313 | N/A | N/A | |||||
| 3490559 | XXXXXXX | XXXXXX | Closed | 2025-11-11 11:55 | 2025-11-26 12:26 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Lender provided signature page of the Note. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-The Note is Present - Due Diligence Vendor-11/26/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/26/2025 Open-The Note is Incomplete Missing second page (signature page) of Note. Additional conditions may apply. - Due Diligence Vendor-11/11/2025 |
Resolved-Lender provided signature page of the Note. Condition cleared. - Due Diligence Vendor-11/26/2025 Resolved-The Note is Present - Due Diligence Vendor-11/26/2025 |
NOTE.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 6210804 | N/A | N/A | |||||
| 4690755 | XXXXXXX | XXXXXX | Closed | 2025-11-21 14:37 | 2025-11-21 14:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025 |
GA | Primary Residence | Refinance | Cash Out - Other | 6347200 | Investor Post-Close | No | ||||||
| 6509083 | XXXXXXX | XXXXXX | Closed | 2025-12-15 11:39 | 2025-12-15 11:41 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go over 45 days for credit report but under 60 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-12/15/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go over 45 days for credit report but under 60 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-12/15/2025 |
1) Employment of 5 years on the same job. 2) 36+ Months 0x30 housing payment history. |
GA | Primary Residence | Refinance | Cash Out - Other | 6627260 | Originator Pre-Close | Yes | |||||
| 6855982 | XXXXXXX | XXXXXX | Closed | 2025-11-21 08:31 | 2025-12-01 14:54 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $0 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA XXXX statement with paid over time hence including balance & payment in DTI consideration. - Buyer-11/29/2025 Open-Total Qualified Assets for Reserves Post-Close of $-2345 is less than Total Required Reserve Amount of $0 Per guidelines dated XX/XX/XXXX: Open 30-day charge accounts with account balances are required to be paid off unless one of the following is satisfied: Borrower has sufficient assets to cover the unpaid balance; or Borrower will receive reimbursement of the charges from his or her employer. Credit report dated XX/XX/XXXX reflects an open account with a balance. The file did not contain sufficient assets to cover the unpaid balance or evidence that the account was paid in full prior to or at closing. - Due Diligence Vendor-11/21/2025 |
Resolved-Total Qualified Assets for Reserves Post-Close of $0 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-12/01/2025 |
XXXXXX acct.png XXXXXX staement.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6339108 | N/A | N/A | |||||
| 6855982 | XXXXXXX | XXXXXX | Closed | 2025-11-21 08:31 | 2025-12-01 14:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/01/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA [redacted] statement with paid over time hence including balance & payment in DTI consideration. - Buyer-11/29/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per guidelines dated 10/07/25: Open 30-day charge accounts with account balances are required to be paid off unless one of the following is satisfied: Borrower has sufficient assets to cover the unpaid balance; or Borrower will receive reimbursement of the charges from his or her employer. Credit report dated XX/XX/XXXX reflects an open account with a balance. The file did not contain sufficient assets to cover the unpaid balance or evidence that the account was paid in full prior to or at closing. - Due Diligence Vendor-11/21/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/01/2025 |
XXXXXX acct.png XXXXXX acct.png |
TX | Primary Residence | Refinance | Cash Out - Other | 6339109 | N/A | N/A | |||||
| 6855982 | XXXXXXX | XXXXXX | Closed | 2025-11-21 08:55 | 2025-12-01 14:52 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $0 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA [redacted] statement with paid over time hence including balance & payment in DTI consideration. - Buyer-11/29/2025 Open-Audited Assets of $-2345 are less than Guideline Required Assets of $0. Per guidelines dated 10/07/25: Open 30-day charge accounts with account balances are required to be paid off unless one of the following is satisfied: Borrower has sufficient assets to cover the unpaid balance; or Borrower will receive reimbursement of the charges from his or her employer. Credit report dated XX/XX/XXXX reflects an open account with a balance. The file did not contain sufficient assets to cover the unpaid balance or evidence that the account was paid in full prior to or at closing. - Due Diligence Vendor-11/21/2025 |
Resolved-Audited Assets of $0 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-12/01/2025 |
XXXXXX acct.png XXXXXX acct.png |
TX | Primary Residence | Refinance | Cash Out - Other | 6339502 | N/A | N/A | |||||
| 8781566 | XXXXXXX | XXXXXX | Closed | 2025-12-10 15:42 | 2025-12-12 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received documentation. Condition cleared. - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-Please provide evidence of hazard insurance and property taxes for Second Homes (REO 3b and REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |
Resolved-Received documentation. Condition cleared. - Due Diligence Vendor-12/12/2025 |
PITI other REO.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6574925 | N/A | N/A | |||||
| 8781566 | XXXXXXX | XXXXXX | Closed | 2025-12-10 15:19 | 2025-12-12 12:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of hazard insurance and property taxes for Second Homes (REO 3b and REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/12/2025 |
PITI other REO.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6574643 | N/A | N/A | |||||
| 9467736 | XXXXXXX | XXXXXX | Closed | 2025-11-10 12:15 | 2025-11-10 12:16 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/10/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6197005 | Investor Post-Close | No | ||||||
| 9467736 | XXXXXXX | XXXXXX | Closed | 2025-10-20 08:26 | 2025-10-20 08:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-10/20/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 5945140 | Investor Post-Close | No | ||||||
| 3628777 | XXXXXXX | XXXXXX | Closed | 2026-01-12 09:54 | 2026-01-12 09:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 |
PA | Primary Residence | Refinance | Cash Out - Other | 7041760 | Investor Post-Close | No | ||||||
| 3628777 | XXXXXXX | XXXXXX | Closed | 2026-01-12 09:47 | 2026-01-12 09:49 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 80 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 80 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
PA | Primary Residence | Refinance | Cash Out - Other | 7041593 | Originator Pre-Close | Yes | |||||
| 8252530 | XXXXXXX | XXXXXX | Closed | 2025-11-05 07:58 | 2025-11-19 09:23 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-11/19/25-DOT fully executed signature page with completed notary section provided. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-The Deed of Trust is Incomplete Page showing Borrower's signature and Notary signature is missing (Page 7 of 7 of the Deed of Trust). - Due Diligence Vendor-11/05/2025 |
Resolved-11/19/25-DOT fully executed signature page with completed notary section provided. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/19/2025 |
DOT.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6130824 | N/A | N/A | |||||
| 1880927 | XXXXXXX | XXXXXX | Closed | 2025-12-01 13:54 | 2025-12-04 12:08 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. Housing expense for primary and second home has been corrected in Encompass. Co-borrower Bonus income has been considered for qualifying income DTI is now < 50%. Please find the attached revised income calculation worksheet, 1003 and 1008. - Seller-12/02/2025 Open-Audited DTI of 50.2% exceeds Guideline DTI of 50% Audited DTI exceeds guideline DTI due to HOI payment on second home and XXX payment on subject property. Originator did not calculate the monthly HOI payment correctly for the Second Home and also did not calculate the monthly XXX payment correctly for the subject property. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. Housing expense for primary and second home has been corrected in Encompass. Co-borrower Bonus income has been considered for qualifying income DTI is now < 50%. Please find the attached revised income calculation worksheet, 1003 and 1008. - Seller-12/02/2025 |
Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025 |
B2 Income calculation worksheet.pdf B2 Income calculation worksheet.pdf 1003.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6433978 | N/A | N/A | ||||
| 1880927 | XXXXXXX | XXXXXX | Closed | 2025-12-01 13:08 | 2025-12-04 12:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. Housing expense for primary and second home has been corrected in Encompass. Co-borrower Bonus income has been used for qualifying income DTI is now < 50%. Please find the attached revised income calculation worksheet, 1003 and 1008. - Buyer-12/02/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Audited DTI exceeds guideline DTI due to HOI payment on second home and XXX payment on subject property. Originator did not calculate the monthly HOI payment correctly for the Second Home and also did not calculate the monthly XXX payment correctly for the subject property. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/04/2025 |
1008.pdf 1008.pdf 1003.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6433123 | N/A | N/A | |||||
| 1880927 | XXXXXXX | XXXXXX | Closed | 2025-12-01 13:21 | 2025-12-01 13:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6433365 | Investor Post-Close | No | ||||||
| 1880927 | XXXXXXX | XXXXXX | Closed | 2025-12-01 13:21 | 2025-12-01 13:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6433367 | Investor Post-Close | No | ||||||
| 1880927 | XXXXXXX | XXXXXX | Closed | 2025-12-01 13:08 | 2025-12-01 13:12 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 5-day extension on credit before LQI is required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 5-day extension on credit before LQI is required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) Employment for an extended period at the same job. |
TX | Primary Residence | Refinance | Cash Out - Other | 6433121 | Originator Pre-Close | Yes | |||||
| 1880927 | XXXXXXX | XXXXXX | Closed | 2025-12-01 13:08 | 2025-12-01 13:12 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to allow 5-day extension on credit before LQI is required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to allow 5-day extension on credit before LQI is required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/01/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) Employment for an extended period at the same job. |
TX | Primary Residence | Refinance | Cash Out - Other | 6433122 | Originator Pre-Close | Yes | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 13:43 | 2026-05-12 10:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-11/19/25-Borrower on temporary leave and is expected to return to work on XX/XX/XXXX per documentation provided. Lender and FNMA guidelines requires written confirmation from borrower of intent to return to work, documentation of the borrower’s agreed-upon date of return, and the lender must receive no evidence or information from the borrower's employer indicating that the borrower does not have the right to return to work after the leave period. All documentation received and is acceptable. - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. We have the letter from the employer's 3rd party leave admin confirming borrower is returning as of the 1st payment due date. Please find the attached document. - Buyer-11/19/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing VVOE dated within 10 business days of Note Date. VVOE in file show borrower is on leave. Confirmation of return to work and return to work date from employer missing from loan file. Additional conditions may apply - Due Diligence Vendor-11/13/2025 |
Resolved-11/19/25-Borrower on temporary leave and is expected to return to work on XX/XX/XXXX per documentation provided. Lender and FNMA guidelines requires written confirmation from borrower of intent to return to work, documentation of the borrower’s agreed-upon date of return, and the lender must receive no evidence or information from the borrower's employer indicating that the borrower does not have the right to return to work after the leave period. All documentation received and is acceptable. - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-11/19/2025 |
Confirmation of borrower return to work date.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6243689 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 14:05 | 2026-05-12 10:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-11/19/25-Mortgage statement for subject 1st lien provided and confirms first lien payment used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/14/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Mortgage Statement for subject property 1st lien is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 |
Resolved-11/19/25-Mortgage statement for subject 1st lien provided and confirms first lien payment used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/19/2025 |
Mortgage statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6244103 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-10-28 14:10 | 2025-11-19 07:28 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($0.00). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Abstract Or Title Search Fee, Settlement or Closing Fee, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-10/28/2025 Open- - Due Diligence Vendor-10/28/2025 |
Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
LE.pdf CD.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6042304 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-10-28 14:16 | 2025-11-19 07:27 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($0.00). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Abstract Or Title Search Fee, Settlement or Closing Fee, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-10/28/2025 |
Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
LE.pdf CD.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6042438 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 14:09 | 2025-11-19 07:27 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 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: Loan Origination Fee, Credit Report Fee, Compliance Testing Fee, Flood Certification Fee, Verification 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)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 |
Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
LE.pdf CD.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6244144 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 14:09 | 2025-11-19 07:26 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 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: Loan Origination Fee, Credit Report Fee, Compliance Testing Fee, Flood Certification Fee, Verification 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)). Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 Open- - Due Diligence Vendor-11/13/2025 |
Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Resolved - Due Diligence Vendor-11/18/2025 |
CD.pdf LE.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6244145 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 14:13 | 2025-11-19 07:26 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-Compliance will be re-reviewed upon receipt of the initial LE. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 |
Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6244200 | N/A | N/A | |||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-10-28 13:22 | 2025-11-19 07:25 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 Open-E-Consent documentation is missing for borrower(s). Additional conditions may apply. - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 |
Resolved-. - Due Diligence Vendor-11/19/2025 Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/18/2025 |
E-consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6041385 | N/A | N/A | ||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 14:11 | 2025-11-19 07:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-11/19/25-Mortgage statement for subject 1st lien provided and confirms first lien payment used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/14/2025 Open-Mortgage Statement for subject property 1st lien is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/14/2025 |
Resolved-11/19/25-Mortgage statement for subject 1st lien provided and confirms first lien payment used to qualify. No issues noted. - Due Diligence Vendor-11/19/2025 |
Mortgage statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6244169 | N/A | N/A | ||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-10-28 12:43 | 2025-11-19 07:21 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-11/19/25-Borrower on temporary leave and is expected to return to work on XX/XX/XXXX per documentation provided. Lender and FNMA guidelines requires written confirmation from borrower of intent to return to work, documentation of the borrower’s agreed-upon date of return, and the lender must receive no evidence or information from the borrower's employer indicating that the borrower does not have the right to return to work after the leave period. All documentation received and is acceptable. - Due Diligence Vendor-11/19/2025 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. We have the letter from the employer's 3rd party leave admin confirming borrower is returning as of the 1st payment due date. Please find the attached document. - Seller-11/19/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 business days of Note Date. VVOE in file show borrower is on leave. Confirmation of return to work and return to work date from employer missing from loan file. Additional conditions may apply - Due Diligence Vendor-10/28/2025 |
Ready for Review-Document Uploaded. We have the letter from the employer's 3rd party leave admin confirming borrower is returning as of the 1st payment due date. Please find the attached document. - Seller-11/19/2025 |
Resolved-11/19/25-Borrower on temporary leave and is expected to return to work on XX/XX/XXXX per documentation provided. Lender and FNMA guidelines requires written confirmation from borrower of intent to return to work, documentation of the borrower’s agreed-upon date of return, and the lender must receive no evidence or information from the borrower's employer indicating that the borrower does not have the right to return to work after the leave period. All documentation received and is acceptable. - Due Diligence Vendor-11/19/2025 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/19/2025 |
Confirmation of borrower return to work date.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6040543 | N/A | N/A | ||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-10-28 13:22 | 2025-11-13 13:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2025 | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/28/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6041384 | Investor Post-Close | No | ||||||
| 9060902 | XXXXXXX | XXXXXX | Closed | 2025-11-13 13:53 | 2025-11-13 13:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6243862 | Investor Post-Close | No | ||||||
| 1116721 | XXXXXXX | XXXXXX | Closed | 2025-11-24 14:01 | 2025-12-01 15:15 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-HOI and 2nd lien verifications received for property 3b. Finding resolved. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA REO property New 2nd Lien document & HOI policy - Buyer-11/29/2025 Open-Verification of the new 2nd lien payment and hazard insurance documentation for REO 3b on Final 1003 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/24/2025 |
Resolved-HOI and 2nd lien verifications received for property 3b. Finding resolved. - Due Diligence Vendor-12/01/2025 |
HOI policy.pdf HOI policy.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6370457 | N/A | N/A | |||||
| 1116721 | XXXXXXX | XXXXXX | Closed | 2025-11-24 13:32 | 2025-12-01 15:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA REO property New 2nd Lien document & HOI policy - Buyer-11/29/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Verification of the new 2nd lien payment and hazard insurance documentation for REO 3b on Final 1003 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/24/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 |
Final CD & Note for REO property.pdf Final CD & Note for REO property.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6369910 | N/A | N/A | |||||
| 6368993 | XXXXXXX | XXXXXX | Closed | 2025-11-08 12:34 | 2025-12-01 15:23 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Payoff quote for 2nd lien from XXXXXXXXX # XXXX & refinance new subject 2nd lien XXXXXX finance for $XXX,XXX is subject refinance loan - Buyer-11/29/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Primary property currently reflects three liens on final 1003 REO section for B1. It appears that the borrower has paid off the prior second lien and subsequently obtained a new second lien through the subject lender. However, documentation confirming the payoff and evidencing the newly opened account with subject lender are currently outstanding and required for verification. Provide evidence that prior 2nd lien secured by the primary residence is paid in full and verification of the new 2nd lien payment. If the primary residence is secured by all 3 liens, please correct the 1008 and ensure the DTI meets guidelines. - Due Diligence Vendor-11/08/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/01/2025 |
Payoff demand.pdf Payoff demand.pdf Final CD & Note for subject.pdf |
CA | Investment | Refinance | Cash Out - Other | 6183951 | N/A | N/A | |||||
| 6368993 | XXXXXXX | XXXXXX | Closed | 2025-11-08 12:57 | 2025-12-01 15:22 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Payoff, CD and Note for new mortgage received. Finding resolved. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Payoff quote for 2nd lien from XXXXXXXXXX # XXXX & refinance new subject 2nd lien XXXXXX finance for $XXX,XXX is subject refinance loan - Buyer-11/29/2025 Open-Primary property currently reflects three liens on final 1003 REO section for B1. It appears that the borrower has paid off the prior second lien and subsequently obtained a new second lien through the subject lender. However, documentation confirming the payoff and evidencing the newly opened account with subject lender are currently outstanding and required for verification. Provide evidence that prior 2nd lien secured by the primary residence is paid in full and verification of the new 2nd lien payment. If the primary residence is secured by all 3 liens, please correct the 1008 and ensure the DTI meets guidelines. - Due Diligence Vendor-11/08/2025 |
Resolved-Payoff, CD and Note for new mortgage received. Finding resolved. - Due Diligence Vendor-12/01/2025 |
Final CD & Note for subject.pdf Final CD & Note for subject.pdf Payoff demand.pdf |
CA | Investment | Refinance | Cash Out - Other | 6184022 | N/A | N/A | |||||
| 6330631 | XXXXXXX | XXXXXX | Closed | 2025-11-26 13:42 | 2025-11-26 13:42 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6407017 | Investor Post-Close | No | ||||||
| 1658418 | XXXXXXX | XXXXXX | Closed | 2025-11-14 13:59 | 2026-05-14 07:53 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-11/19/25-lender provided updated exception form correcting the LTV/CLTV, DTI and loan amount. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-11/17/2025 Open-Audited DTI of 47.96% exceeds Guideline DTI of 43% The Lender approved a DTI exceeding guideline maximum. The 1008 shows subject transaction closed with a DTI of 47.96%. However, the Approved DTI Exception in file is not valid. It reflects subject loan having a lower subject loan amount, lower LTV/CLTV, and a lower DTI than subject transaction actually closed with. - Due Diligence Vendor-11/14/2025 |
Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-11/19/25-lender provided updated exception form correcting the LTV/CLTV, DTI and loan amount. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/19/2025 |
Exception Form.pdf | lender provided updated exception form correcting the LTV/CLTV, DTI and loan amount. | CA | Primary Residence | Refinance | Cash Out - Other | 6259025 | Originator Pre-Close | Yes | ||||
| 1658418 | XXXXXXX | XXXXXX | Closed | 2025-11-14 15:24 | 2026-05-12 10:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-11/19/25-lender provided updated exception form correcting the LTV/CLTV, DTI and loan amount. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-11/17/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The subject loan closed with a DTI exceeding guideline limits. An exception for the DTI was provided; however, it was not valid. - Due Diligence Vendor-11/14/2025 |
Resolved-11/19/25-lender provided updated exception form correcting the LTV/CLTV, DTI and loan amount. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/19/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/19/2025 |
Exception Form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6260318 | N/A | N/A | |||||
| 9239662 | XXXXXXX | XXXXXX | Closed | 2025-12-29 14:37 | 2026-01-12 14:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received. - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-01/12/2026 Counter-Final rate lock does not reflect adjustments for DTI, as required by guidelines. Condition remains. - Due Diligence Vendor-01/07/2026 Ready for Review-For DTI exceeding the allowed limit of 43%, rate has been already adjusted. - Buyer-12/31/2025 Open-Audited DTI of 47.98% exceeds Guideline DTI of 43% DTI (audited) of 47.98% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Waived-Exception received. - Due Diligence Vendor-01/12/2026 |
exception form.pdf | 36+ mo 0x30 housing payment history No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6840300 | Originator Pre-Close | Yes | ||||
| 3594707 | XXXXXXX | XXXXXX | Closed | 2025-10-23 13:48 | 2025-10-31 11:14 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/23/2025 |
GA | Primary Residence | Refinance | Cash Out - Other | 5993700 | Investor Post-Close | No | ||||||
| 9751407 | XXXXXXX | XXXXXX | Closed | 2026-01-13 10:11 | 2026-01-15 09:54 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/14/2026 Open-Please provide current mortgage statement for Primary Residence (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/13/2026 |
Resolved-Received - Due Diligence Vendor-01/15/2026 |
XXXXXX XXXXXX XXXXXX - Mortgage Statement.pdf | MD | Investment | Refinance | Cash Out - Other | 7064008 | N/A | N/A | |||||
| 9751407 | XXXXXXX | XXXXXX | Closed | 2026-01-13 09:36 | 2026-01-15 09:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/14/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statement for Primary Residence (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/13/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/15/2026 |
XXXXXX XXXXXX XXXXXX - Mortgage Statement.pdf | MD | Investment | Refinance | Cash Out - Other | 7062458 | N/A | N/A | |||||
| 9751407 | XXXXXXX | XXXXXX | Closed | 2026-01-13 09:36 | 2026-01-13 09:38 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/13/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/13/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
MD | Investment | Refinance | Cash Out - Other | 7062457 | Originator Pre-Close | Yes | |||||
| 4650535 | XXXXXXX | XXXXXX | Closed | 2025-11-05 07:54 | 2025-11-19 11:26 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided initial CD. Condition cleared. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/19/2025 Open-Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply. - Due Diligence Vendor-11/05/2025 |
Resolved-Lender provided initial CD. Condition cleared. - Due Diligence Vendor-11/19/2025 |
CD.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 6130762 | N/A | N/A | |||||
| 4650535 | XXXXXXX | XXXXXX | Closed | 2025-11-05 07:54 | 2025-11-19 11:26 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/19/2025 Open-Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply. - Due Diligence Vendor-11/05/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/19/2025 |
LE.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 6130756 | N/A | N/A | |||||
| 4650535 | XXXXXXX | XXXXXX | Closed | 2025-10-27 09:30 | 2025-11-13 11:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2025 | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6020947 | Investor Post-Close | No | ||||||
| 4650535 | XXXXXXX | XXXXXX | Closed | 2025-11-05 07:00 | 2025-11-13 11:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6130084 | Investor Post-Close | No | ||||||
| 4650535 | XXXXXXX | XXXXXX | Closed | 2025-11-13 11:36 | 2025-11-13 11:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6241118 | Investor Post-Close | No | ||||||
| 4650535 | XXXXXXX | XXXXXX | Closed | 2025-11-13 11:36 | 2025-11-13 11:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6241119 | Investor Post-Close | No | ||||||
| 8512297 | XXXXXXX | XXXXXX | Closed | 2025-11-13 16:03 | 2025-11-13 16:03 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6245816 | Investor Post-Close | No | ||||||
| 9592912 | XXXXXXX | XXXXXX | Closed | 2025-11-21 12:32 | 2025-12-01 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Payoff demand - Buyer-11/29/2025 Open-Missing Payoff Statement for prior loan. Missing payoff for 2nd lien secured by subject property and paid at closing. - Due Diligence Vendor-11/21/2025 |
Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-12/01/2025 |
Payoff demand.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6345076 | N/A | N/A | |||||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 12:13 | 2025-12-29 11:32 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Waiver received for CLTV/HCLTV to 73% - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Ready for Review-Document Uploaded. Please find the attached Exception Form. - Buyer-12/23/2025 Open-Audited HLTV of 72.81% exceeds Guideline HCLTV of 65%. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 |
Waived-Waiver received for CLTV/HCLTV to 73% - Due Diligence Vendor-12/29/2025 |
Exception_Form.pdf | DTI >5% below max qualifying Income not used to qualify Credit score >10pts above qualifying |
CA | Investment | Refinance | Cash Out - Other | 6740490 | Originator Pre-Close | Yes | |||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 12:13 | 2025-12-29 11:31 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Waiver provided to allow CLTV/HCLTV to 73%. - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Ready for Review-Document Uploaded. Please find the attached Exception Form. - Buyer-12/23/2025 Open-Audited CLTV of 72.81% exceeds Guideline CLTV of 65%. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 |
Waived-Waiver provided to allow CLTV/HCLTV to 73%. - Due Diligence Vendor-12/29/2025 |
Exception_Form.pdf | DTI >5% below max qualifying Income not used to qualify Credit score >10pts above qualifying |
CA | Investment | Refinance | Cash Out - Other | 6740489 | Originator Pre-Close | Yes | |||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 11:05 | 2025-12-29 11:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Please find the attached documents. Insurance document for Investment property listed in REO section 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/24/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Please provide verification of the new 2nd lien payment for investment property (REO 3b) on Final 1003. Please also provide evidence of hazard insurance and property taxes for investment property (REO 3b) on Final 1003. Additional conditions may apply. 2) Please provide evidence of hazard insurance for investment property (REO 3c) on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/29/2025 |
XXXX XXXXX XXX - Property Tax.pdf XXXX XXXXX XXX- HOI & RCE.pdf XXXX XXXXX XXX - 1st Payment Letter.pdf XXXX XXXXX XXX - Mortgage statement.pdf |
CA | Investment | Refinance | Cash Out - Other | 6737607 | N/A | N/A | |||||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 12:08 | 2025-12-29 11:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation received. - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Please find the attached documents. Insurance document for Investment property listed in REO section 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Seller-12/24/2025 Open-1) Please provide verification of the new 2nd lien payment for investment property (REO 3b) on Final 1003. Please also provide evidence of hazard insurance and property taxes for investment property (REO 3b) on Final 1003. Additional conditions may apply. 2) Please provide evidence of hazard insurance for investment property (REO 3c) on Final 1003. Additional conditions may apply. 3) Per lender guidelines, for B1’s employment, provide the following: Paystubs with a minimum of 30 days YTD earnings to document base income and WVOE to document commission income. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document Uploaded. Please find the attached documents. Insurance document for Investment property listed in REO section 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Seller-12/24/2025 |
Resolved-Documentation received. - Due Diligence Vendor-12/29/2025 |
XXXX XXXXX XXX - Property Tax.pdf XXXX XXXXX XXX - HOI & RCE.pdf XXXX XXXXX XXX - 1st Payment Letter.pdf B1 WVOE.pdf B1 Paystub.pdf XXXX XXXXX XXX- Mortgage statement.pdf |
CA | Investment | Refinance | Cash Out - Other | 6740172 | N/A | N/A | ||||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 11:16 | 2025-12-29 11:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-12/24/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per lender guidelines, for B1’s employment, provide the following: Paystubs with a minimum of 30 days YTD earnings to document base income and WVOE to document commission income. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/29/2025 |
B1 Paystub.pdf B1 WVOE.pdf |
CA | Investment | Refinance | Cash Out - Other | 6737846 | N/A | N/A | |||||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 11:05 | 2025-12-22 11:08 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to request credit expiration of 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/22/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to request credit expiration of 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/22/2025 |
1) DTI <5% below the Maximum Qualifying. 2) Income not used to qualify. 3) Credit Score >/= 10+ Points more than qualifying. |
CA | Investment | Refinance | Cash Out - Other | 6737605 | Originator Pre-Close | Yes | |||||
| 3978342 | XXXXXXX | XXXXXX | Closed | 2025-12-22 11:05 | 2025-12-22 11:08 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to request credit expiration of 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/22/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to request credit expiration of 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/22/2025 |
1) DTI <5% below the Maximum Qualifying. 2) Income not used to qualify. 3) Credit Score >/= 10+ Points more than qualifying. |
CA | Investment | Refinance | Cash Out - Other | 6737606 | Originator Pre-Close | Yes | |||||
| 8430538 | XXXXXXX | XXXXXX | Closed | 2025-11-17 14:07 | 2025-11-21 11:14 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver received. - Due Diligence Vendor-11/21/2025 Ready for Review-Document Uploaded. Please find the attached exception form, same is already provided to XXXX. - Buyer-11/19/2025 Open-Borrower 1 Gap Credit Report is Missing Guidelines require a Gap credit report (LQI) when the original credit report exceeds 45 days from the note date. The credit report in file is dated XX/XX/XXXX which is 52 days from the note date. Provide updated credit report. - Due Diligence Vendor-11/17/2025 |
Waived-Waiver received. - Due Diligence Vendor-11/21/2025 |
Exception Form.pdf | CLTV <5% below the Maximum Qualifying 36+ Months 0x30 housing payment history No derogatory events |
FL | Primary Residence | Refinance | Cash Out - Other | 6278862 | Originator Pre-Close | Yes | ||||
| 4862120 | XXXXXXX | XXXXXX | Closed | 2025-11-05 06:44 | 2025-11-20 14:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Received - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/19/2025 Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-11/05/2025 |
Resolved-Received - Due Diligence Vendor-11/20/2025 |
Citizenship document.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 6129944 | N/A | N/A | |||||
| 4862120 | XXXXXXX | XXXXXX | Closed | 2025-11-05 06:44 | 2025-11-20 14:44 | Resolved | 1 - Information | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-11/19/2025 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-11/05/2025 |
Resolved-Received - Due Diligence Vendor-11/20/2025 |
Citizenship document.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 6129943 | N/A | N/A | |||||
| 8368571 | XXXXXXX | XXXXXX | Closed | 2025-11-04 15:19 | 2025-11-05 08:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/05/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/05/2025 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6124105 | Investor Post-Close | No | ||||||
| 9056198 | XXXXXXX | XXXXXX | Closed | 2025-10-28 12:55 | 2025-11-06 09:09 | Resolved | 1 - Information | Compliance | Missing Doc | TILA: Loan Estimate Missing or Incomplete | Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/06/2025 Ready for Review-Document Uploaded. Please see attached signed LE - Buyer-11/05/2025 Open-TILA: Loan Estimate Missing or Incomplete Initial Loan Estimate missing, additional conditional may apply. File is missing Business Purpose Affidavit, therefore full TRID testing was applied. - Due Diligence Vendor-10/28/2025 |
Resolved-Lender provided initial LE. Condition cleared. - Due Diligence Vendor-11/06/2025 |
LE.pdf | WA | Investment | Refinance | Cash Out - Debt Consolidation | 6040781 | N/A | N/A | |||||
| 4117046 | XXXXXXX | XXXXXX | Closed | 2025-11-10 02:25 | 2025-11-22 09:10 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 15-day extension on credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/10/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 15-day extension on credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/10/2025 |
1) Employment for an extended period at the same job. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6188918 | Originator Pre-Close | Yes | |||||
| 4117046 | XXXXXXX | XXXXXX | Closed | 2025-11-22 08:44 | 2025-11-22 08:44 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for 15-day extension on credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/22/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for 15-day extension on credit report expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/22/2025 |
1) Employment for an extended period at the same job. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6354192 | Originator Pre-Close | Yes | |||||
| 4959966 | XXXXXXX | XXXXXX | Closed | 2025-11-14 13:54 | 2025-11-14 13:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/14/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/14/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6258962 | Investor Post-Close | No | ||||||
| 8865792 | XXXXXXX | XXXXXX | Closed | 2025-12-10 14:38 | 2026-01-02 09:34 | Cured | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured-Proof of rescission reopening received. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. Recession reopened. Please see attached cover letter, new RTC document, and proof of delivery. - Buyer-12/30/2025 Open-Notary Date is same date as Disbursement Date. Confirmed with Deed of Trust in file. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Cured-Proof of rescission reopening received. - Due Diligence Vendor-01/02/2026 |
Proof of delivery.pdf XXXXXX RTC Cover Letter.pdf XXXX XXXXX XXX NRTC.pdf XX/XX/XXXXTXX XX XXXX-FedEx-Shipping-Label (1).pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6573869 | N/A | N/A | |||||
| 8865792 | XXXXXXX | XXXXXX | Closed | 2025-12-10 14:38 | 2026-01-02 09:34 | Cured | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Cured-Proof of rescission reopening received. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. Recession reopened. Please see attached cover letter, new RTC document, and proof of delivery. - Buyer-12/30/2025 Open-Notary Date is same date as Disbursement Date. Confirmed with Deed of Trust in file. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Cured-Proof of rescission reopening received. - Due Diligence Vendor-01/02/2026 |
XX/XX/XXXXTXX XX XXXX-FedEx-Shipping-Label (1).pdf Proof of delivery.pdf XXXXX NRTC.pdf XXXXX RTC Cover Letter.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6573870 | N/A | N/A | |||||
| 3408761 | XXXXXXX | XXXXXX | Closed | 2025-10-28 15:54 | 2025-10-29 08:59 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/29/2025 |
GA | Primary Residence | Refinance | Cash Out - Other | 6043994 | Investor Post-Close | No | ||||||
| 8652941 | XXXXXXX | XXXXXX | Closed | 2025-11-01 22:57 | 2025-11-19 11:34 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Lender provided NORTC. Condition cleared. - Due Diligence Vendor-11/19/2025 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/19/2025 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-11/02/2025 |
Resolved-Lender provided NORTC. Condition cleared. - Due Diligence Vendor-11/19/2025 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-11/19/2025 |
NRTC.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6091702 | N/A | N/A | |||||
| 3818881 | XXXXXXX | XXXXXX | Closed | 2025-11-19 09:36 | 2025-11-19 09:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/19/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/19/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 6304470 | Investor Post-Close | No | ||||||
| 1283161 | XXXXXXX | XXXXXX | Closed | 2025-11-20 12:12 | 2025-11-20 12:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2025 |
MI | Primary Residence | Refinance | Cash Out - Other | 6328811 | Investor Post-Close | No | ||||||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-17 09:10 | 2025-12-29 11:43 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Waiver received for CLTV/HCLTV to 73% - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/24/2025 Open-Audited HLTV of 72.81% exceeds Guideline HCLTV of 65%. Additional conditions may apply. - Due Diligence Vendor-12/17/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/24/2025 |
Waived-Waiver received for CLTV/HCLTV to 73% - Due Diligence Vendor-12/29/2025 |
Exception Form.pdf | DTI >5% below max qualifying Income not used to qualify Credit score >10pts above qualifying |
CA | Investment | Refinance | Cash Out - Other | 6661090 | Originator Pre-Close | Yes | |||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-17 09:10 | 2025-12-29 11:43 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Waiver received for CLTV/HCLTV to 73% - Due Diligence Vendor-12/29/2025 Ready for Review-Document Uploaded. - Seller-12/24/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/24/2025 Open-Audited CLTV of 72.81% exceeds Guideline CLTV of 65%. Additional conditions may apply. - Due Diligence Vendor-12/17/2025 |
Ready for Review-Document Uploaded. - Seller-12/24/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/24/2025 |
Waived-Waiver received for CLTV/HCLTV to 73% - Due Diligence Vendor-12/29/2025 |
Exception Form.pdf Exception Form.pdf |
DTI >5% below max qualifying Income not used to qualify Credit score >10pts above qualifying |
CA | Investment | Refinance | Cash Out - Other | 6661089 | Originator Pre-Close | Yes | |||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-17 08:29 | 2025-12-21 14:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-12/21/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/21/2025 Ready for Review-Document Uploaded. Please find the attached document for Investment property listed in REO section 3b and 3c. Taxes and Insurance document for Investment property listed in REO section 3b and 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/19/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statement (1st lien) for investment property (REO 3b) listed on Final 1003. Please provide verification of the new 2nd lien payment for investment property (REO 3b) listed on Final 1003. Please provide evidence of hazard insurance and property taxes for investment property (REO 3b) listed on Final 1003. Please provide evidence of hazard insurance for investment property (REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/17/2025 |
Resolved-. - Due Diligence Vendor-12/21/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/21/2025 |
Property Taxes - XXXX XXXXX XXX.pdf HOI and RCE - XXXX XXXXX XXX.pdf XXXX XXXXX XXX - Final CD.pdf Final CD - XXXXXXXXXX.pdf XXXX XXXXX XXX - Mortgage statement.pdf XXXX XXXXX XXX - Mortgage statement.pdf |
CA | Investment | Refinance | Cash Out - Other | 6660273 | N/A | N/A | |||||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-17 09:04 | 2025-12-21 14:01 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received REO 3b1st lien HUD with PITI and 2nd lien CD. REO 3c escrowed. Condition cleared. - Due Diligence Vendor-12/21/2025 Ready for Review-Document Uploaded. Please find the attached document for Investment property listed in REO section 3b and 3c. Taxes and Insurance document for Investment property listed in REO section 3b and 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/19/2025 Open-Please provide current mortgage statement (1st lien) for investment property (REO 3b) listed on Final 1003. Please provide verification of the new 2nd lien payment for investment property (REO 3b) listed on Final 1003. Please provide evidence of hazard insurance and property taxes for investment property (REO 3b) listed on Final 1003. Please provide evidence of hazard insurance for investment property (REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/17/2025 |
Resolved-Received REO 3b1st lien HUD with PITI and 2nd lien CD. REO 3c escrowed. Condition cleared. - Due Diligence Vendor-12/21/2025 |
Property Taxes - XXXX XXXXX XXX.pdf HOI and RCE - XXXX XXXXX XXX.pdf XXXX XXXXX XXX - Final CD.pdf XXXX XXXXX XXX - Mortgage statement.pdf Final CD - XXXXXXXXXX.pdf Final CD - XXXXXXXXXX.pdf |
CA | Investment | Refinance | Cash Out - Other | 6660990 | N/A | N/A | |||||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-01 11:31 | 2025-12-18 15:19 | Resolved | 1 - Information | Credit | Insurance | Named Insured on Condo Master Policy does not match XXX Name | Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Named Insured on Condo Master Insurance Policy matches XXX Name or Property is Not a Condominium - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. Dwelling coverage is sufficient on Hazard Insurance Policy for subject property, hence condo master insurance policy is not required. - Buyer-12/18/2025 Open-Named Insured on Condo Master Insurance Policy does not match XXX Name Condo Master Policy is missing. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 |
Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Named Insured on Condo Master Insurance Policy matches XXX Name or Property is Not a Condominium - Due Diligence Vendor-12/18/2025 |
HOI and RCE.pdf | CA | Investment | Refinance | Cash Out - Other | 6430735 | N/A | N/A | |||||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-01 11:31 | 2025-12-18 15:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Dwelling coverage is sufficient on Hazard Insurance Policy for subject property, hence condo master insurance policy is not required. - Seller-12/18/2025 Open-Missing Condo Master Insurance Policy Condo Master Policy missing. Additional conditions may apply. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. Dwelling coverage is sufficient on Hazard Insurance Policy for subject property, hence condo master insurance policy is not required. - Seller-12/18/2025 |
Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-12/18/2025 |
HOI and RCE.pdf | CA | Investment | Refinance | Cash Out - Other | 6430736 | N/A | N/A | ||||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-17 08:25 | 2025-12-17 08:25 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to have credit expiration be 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/17/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to have credit expiration be 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/17/2025 |
1) DTI <5% below the Maximum Qualifying. 2) Income not used to qualify. 3) Credit Score >/= 10+ Points more than qualifying. |
CA | Investment | Refinance | Cash Out - Other | 6660186 | Originator Pre-Close | Yes | |||||
| 8306651 | XXXXXXX | XXXXXX | Closed | 2025-12-17 08:25 | 2025-12-17 08:25 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to have credit expiration be 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/17/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to have credit expiration be 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/17/2025 |
1) DTI <5% below the Maximum Qualifying. 2) Income not used to qualify. 3) Credit Score >/= 10+ Points more than qualifying. |
CA | Investment | Refinance | Cash Out - Other | 6660187 | Originator Pre-Close | Yes | |||||
| 6654857 | XXXXXXX | XXXXXX | Closed | 2025-11-12 10:15 | 2025-11-18 16:54 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 Open-Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply. - Due Diligence Vendor-11/12/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
CD.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6223548 | N/A | N/A | ||||
| 6654857 | XXXXXXX | XXXXXX | Closed | 2025-11-12 10:13 | 2025-11-18 16:54 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 Open-Loan Estimate disclosure is missing or incomplete Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply. - Due Diligence Vendor-11/12/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6223535 | N/A | N/A | ||||
| 6654857 | XXXXXXX | XXXXXX | Closed | 2025-11-12 10:07 | 2025-11-18 16:54 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Open-Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply. - Due Diligence Vendor-11/12/2025 Open- - Due Diligence Vendor-11/12/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-11/18/2025 |
CD.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6223443 | N/A | N/A | |||||
| 6654857 | XXXXXXX | XXXXXX | Closed | 2025-10-31 14:40 | 2025-11-18 16:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Open-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Compliance will be re-reviewed upon receipt of the missing disclosures. Additional conditions may apply. - Due Diligence Vendor-10/31/2025 Open- - Due Diligence Vendor-11/12/2025 Open- - Due Diligence Vendor-10/31/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 |
Resolved-Lender provided missing disclosures. Condition cleared. - Due Diligence Vendor-11/18/2025 |
LE.pdf CD.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 6087738 | N/A | N/A | ||||
| 6654857 | XXXXXXX | XXXXXX | Closed | 2025-11-12 09:55 | 2025-11-12 09:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6223250 | Investor Post-Close | No | ||||||
| 6654857 | XXXXXXX | XXXXXX | Closed | 2025-11-12 09:55 | 2025-11-12 09:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6223251 | Investor Post-Close | No | ||||||
| 1341584 | XXXXXXX | XXXXXX | Closed | 2026-01-12 15:33 | 2026-05-12 10:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/12/2026 Resolved-Exception received. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached exception Form. - Buyer-01/13/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender guidelines require a LQI report when the credit report in file is older than 45 days from the Note Date. Credit report in file is dated 49 days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/12/2026 Resolved-Exception received. - Due Diligence Vendor-01/15/2026 |
exception form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7050352 | N/A | N/A | |||||
| 1341584 | XXXXXXX | XXXXXX | Closed | 2026-01-12 15:31 | 2026-01-15 09:28 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception form received. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached exception Form. - Buyer-01/13/2026 Open-Borrower 1 Gap Credit Report is Missing Lender guidelines require a LQI report when the credit report in file is older than 45 days from the Note Date. Credit report in file is dated 49 days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Waived-Exception form received. - Due Diligence Vendor-01/15/2026 |
exception form.pdf | 1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 7050323 | Originator Pre-Close | Yes | ||||
| 1341584 | XXXXXXX | XXXXXX | Closed | 2025-12-04 05:15 | 2026-01-15 09:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception form received - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached exception Form. - Buyer-01/13/2026 Open-Audited DTI of 49.65% exceeds Guideline DTI of 43% The Audited DTI of 49.65% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 |
Waived-Exception form received - Due Diligence Vendor-01/15/2026 |
exception form.pdf | 1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 6479823 | Originator Pre-Close | Yes | ||||
| 5417009 | XXXXXXX | XXXXXX | Closed | 2025-11-21 11:41 | 2025-12-01 15:41 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/01/2025 Resolved-Audited DTI of 49.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA there are 2 1099-R for B2 from XXXXX $X,XXX.XX & [redacted] $X,XXX.XX = $X,XXX.XX/ 12 = $XXX.XX - Buyer-11/29/2025 Open-Audited DTI of 50.68% exceeds Guideline DTI of 50% Audited DTI (50.68%) Exceeds Guideline DTI (50%) Originator grossed up pension income for B2 without verifying that the income is nontaxable. 1099-R in file does not indicate income is nontaxable. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 |
Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/01/2025 Resolved-Audited DTI of 49.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/01/2025 |
1099-R 2024.pdf | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6344024 | N/A | N/A | |||||
| 5417009 | XXXXXXX | XXXXXX | Closed | 2025-11-21 11:16 | 2025-12-01 15:40 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA there are 2 1099-R for B2 from XXXXX $X,XXX.XX & [redacted] $X,XXX.XX = $X,XXX.XX / 12 = $XXX.XX - Buyer-11/29/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Audited DTI (50.68%) Exceeds Guideline DTI (50%) Originator grossed up pension income for B2 without verifying that the income is nontaxable. 1099-R in file does not indicate income is nontaxable. Additional conditions may apply. - Due Diligence Vendor-11/21/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/01/2025 |
1099-R 2024.pdf | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6343372 | N/A | N/A | |||||
| 6787920 | XXXXXXX | XXXXXX | Closed | 2025-12-19 10:15 | 2026-01-07 13:15 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received updated 1008 with income from Borrower's 2nd business removed. Received 1003 with income from Borrower's 2nd business removed. Conditions status changed to Resolved. - Due Diligence Vendor-01/07/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. $XX,XXX.XX Income of B1 from 2nd employment has been removed. Please find the attached revised 1003 & 1008. - Seller-12/31/2025 Counter-Received business banks statements for the 1st business listed on the final 1003. Over XXX in income was used for the Borrower's 2nd business listed on the final 1003. Audit is unable to determine what type of business it is or how the income was verified. Provide a 1003 with the 2nd business details listed, all income verification for the 2nd business, and a lender income calc worksheet. Condition remains. - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/23/2025 Open-Borrower 1 Business Bank Statements Missing Business Bank Statements for Borrower 1 missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. $XX,XXX.XX Income of B1 from 2nd employment has been removed. Please find the attached revised 1003 & 1008. - Seller-12/31/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/23/2025 |
Resolved-Received updated 1008 with income from Borrower's 2nd business removed. Received 1003 with income from Borrower's 2nd business removed. Conditions status changed to Resolved. - Due Diligence Vendor-01/07/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-01/07/2026 |
12 months Business Bank Statements.pdf 1008.pdf 1003.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6705735 | N/A | N/A | ||||
| 6787920 | XXXXXXX | XXXXXX | Closed | 2025-11-29 11:21 | 2026-01-07 13:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-. - Due Diligence Vendor-12/22/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/22/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Hazard Insurance Policy for subject property is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/22/2025 |
Resolved-. - Due Diligence Vendor-12/22/2025 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-12/22/2025 |
HOI.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6422078 | N/A | N/A | ||||
| 6787920 | XXXXXXX | XXXXXX | Closed | 2025-11-29 11:16 | 2025-12-22 16:18 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/22/2025 Open-Missing Hazard Insurance Policy Hazard Insurance Policy for subject property is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/29/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/22/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/22/2025 |
HOI.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6422071 | N/A | N/A | ||||
| 6787920 | XXXXXXX | XXXXXX | Closed | 2025-12-19 10:35 | 2025-12-22 16:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Resolved - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. Borrower acknowledged the Last(latest) LE 4 days prior to closing, Also the latest LE supersedes the prior disclosed revised LE, making the other revised LEs obsolete. Please see attached Last LE which was acknowledged on XX/XX/XXXX. - Buyer-12/22/2025 Open-The last Loan Estimate Received Date of (XX/XX/XXXX) is not 4 business days before the consummation date of (XX/XX/XXXX). Four business days before consummation is (XX/XX/XXXX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-12/19/2025 Open-LOAN ESTIMATE RECEIVED AT LEAST FOUR BUSINESS DAYS BEFORE CONSUMMATION. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 Open- - Due Diligence Vendor-12/19/2025 Open- - Due Diligence Vendor-12/19/2025 Open- - Due Diligence Vendor-12/19/2025 |
Resolved-Resolved - Due Diligence Vendor-12/22/2025 |
Latest LE.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6706433 | N/A | N/A | |||||
| 6787920 | XXXXXXX | XXXXXX | Closed | 2025-12-19 10:09 | 2025-12-19 10:10 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 10-day extension for LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for 10-day extension for LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. |
TX | Primary Residence | Refinance | Cash Out - Other | 6705296 | Originator Pre-Close | Yes | |||||
| 6787920 | XXXXXXX | XXXXXX | Closed | 2025-12-19 10:09 | 2025-12-19 10:10 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for 10-day extension for LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for 10-day extension for LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. |
TX | Primary Residence | Refinance | Cash Out - Other | 6705297 | Originator Pre-Close | Yes | |||||
| 3117947 | XXXXXXX | XXXXXX | Closed | 2026-01-12 13:22 | 2026-01-12 13:24 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
AZ | Primary Residence | Refinance | Cash Out - Other | 7047799 | Originator Pre-Close | Yes | |||||
| 3117947 | XXXXXXX | XXXXXX | Closed | 2026-01-12 13:22 | 2026-01-12 13:24 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/12/2026 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
AZ | Primary Residence | Refinance | Cash Out - Other | 7047800 | Originator Pre-Close | Yes | |||||
| 6514411 | XXXXXXX | XXXXXX | Closed | 2026-01-21 09:24 | 2026-01-26 12:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Please find attached REO PITIA documents. - Buyer-01/26/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statement for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/21/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/26/2026 |
PITIA for REO.pdf Tax for REO.pdf |
IA | Primary Residence | Refinance | Cash Out - Other | 7204531 | N/A | N/A | |||||
| 6514411 | XXXXXXX | XXXXXX | Closed | 2026-01-21 09:58 | 2026-01-26 12:01 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Please find attached REO PITIA documents. - Buyer-01/23/2026 Open-Please provide current mortgage statement for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-01/21/2026 |
Resolved-Received - Due Diligence Vendor-01/26/2026 |
PITIA for REO.pdf Tax for REO.pdf |
IA | Primary Residence | Refinance | Cash Out - Other | 7205537 | N/A | N/A | |||||
| 6514411 | XXXXXXX | XXXXXX | Closed | 2026-01-21 10:01 | 2026-01-23 10:43 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received for DTI to 50. - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-01/22/2026 Open-Audited DTI of 44.93% exceeds Guideline DTI of 43% The Audited DTI of 44.93% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/21/2026 |
Waived-Exception received for DTI to 50. - Due Diligence Vendor-01/23/2026 |
exception form.pdf | Employment for an extended period at the same job 36+mo 0x30 payment history. |
IA | Primary Residence | Refinance | Cash Out - Other | 7205600 | Originator Pre-Close | Yes | ||||
| 1168164 | XXXXXXX | XXXXXX | Closed | 2025-12-03 09:27 | 2026-05-12 10:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Please find the attached document. Taxes and Insurance document for investment property listed in REO section 3b is not required as taxes and insurance are escrowed in monthly mortgage payment. - Buyer-12/04/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of hazard insurance and property taxes for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/05/2025 |
Mortage statement -XXXX XXXXX XXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6463695 | N/A | N/A | |||||
| 1168164 | XXXXXXX | XXXXXX | Closed | 2025-12-03 09:46 | 2025-12-04 18:27 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received REO 3b Mortgage statement. Condition cleared. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Please find the attached document. Taxes and Insurance document for investment property listed in REO section 3b is not required as taxes and insurance are escrowed in monthly mortgage payment. - Buyer-12/04/2025 Open-Please provide evidence of hazard insurance and property taxes for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Resolved-Received REO 3b Mortgage statement. Condition cleared. - Due Diligence Vendor-12/05/2025 |
Mortage statement - XXXX XXXXX XXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6464202 | N/A | N/A | |||||
| 6837771 | XXXXXXX | XXXXXX | Closed | 2025-10-29 14:32 | 2026-01-14 11:07 | Resolved | 1 - Information | Compliance | XXXXXX | License: Loan Originator | Resolved-Documentation received. - Due Diligence Vendor-01/14/2026 Resolved-Documentation received. - Due Diligence Vendor-01/14/2026 Resolved-Resolved - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached Executed Note, DOT, NRTC (recession reopened), 1003 and intent to re-record - Buyer-01/12/2026 Counter- - Due Diligence Vendor-11/24/2025 Ready for Review-Please provide a copy of the Note and LOE with the corrected NMLS info. The Note does not need to be re-executed with evidence it was provided to the borrower. A Scrivener’s Affidavit can be recorded to correct the NMLS data on the DOT. Unless required by the title company for re-recording, a signature is not required. Condition maintained. - Due Diligence Vendor-11/24/2025 Ready for Review-Does a revised NOTE and DOT with correct LO suffice the requirement? Does revised DOT/NOTE needs to be re-signed? - Buyer-11/24/2025 Open-The loan originator is not authorized to do business in [redacted]as of XX/XX/XXXX. NMLS records show loan originator's ability to conduct business in [redacted] ended on XX/XX/XXXX, prior to the subject loan closing date. - Due Diligence Vendor-11/07/2025 Open- - Due Diligence Vendor-11/07/2025 Open- - Due Diligence Vendor-11/07/2025 Open- - Due Diligence Vendor-10/30/2025 Open- - Due Diligence Vendor-10/29/2025 |
Resolved-Documentation received. - Due Diligence Vendor-01/14/2026 Resolved-Documentation received. - Due Diligence Vendor-01/14/2026 Resolved-Resolved - Due Diligence Vendor-01/14/2026 |
Intent to Record Letter.pdf Signed Docs.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6057959 | N/A | N/A | |||||
| 9309806 | XXXXXXX | XXXXXX | Closed | 2025-12-17 09:49 | 2025-12-17 09:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/17/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/17/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6662066 | Investor Post-Close | No | ||||||
| 3666865 | XXXXXXX | XXXXXX | Closed | 2025-11-24 14:47 | 2025-11-24 14:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6371366 | Investor Post-Close | No | ||||||
| 8123313 | XXXXXXX | XXXXXX | Closed | 2025-10-30 09:55 | 2025-10-30 09:56 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/30/2025 |
MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6067787 | Investor Post-Close | No | ||||||
| 8190888 | XXXXXXX | XXXXXX | Closed | 2025-11-26 11:09 | 2025-11-26 11:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6403149 | Investor Post-Close | No | ||||||
| 8190888 | XXXXXXX | XXXXXX | Closed | 2025-11-26 11:09 | 2025-11-26 11:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6403150 | Investor Post-Close | No | ||||||
| 8212258 | XXXXXXX | XXXXXX | Closed | 2025-12-30 09:23 | 2026-01-14 13:39 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Liability added to DTI. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. [redacted] a/c has been included in DTI. Please find the attached revised 1003 & 1008. - Seller-01/13/2026 Counter-Liability #1 (Same XXXX account) for B2 on the 1003 shows it was not excluded from DTI, but it was not included in DTI, per the 1008 in file. Please provide updated 1008 with Liability # 1 (Same XXXX account) for B2 included in DTI. Condition remains. - Due Diligence Vendor-01/07/2026 Ready for Review-XXXX Account excluded from DTI is Duplicate tradeline. - Seller-01/02/2026 Open-Please provide evidence that liability #1 listed on Final 1003 for B1 was paid off prior to closing. Additional conditions may apply. - Due Diligence Vendor-12/30/2025 |
Ready for Review-Document Uploaded. XXXX a/c has been included in DTI. Please find the attached revised 1003 & 1008. - Seller-01/13/2026 Ready for Review-XXXX Account excluded from DTI is Duplicate tradeline. - Seller-01/02/2026 |
Resolved-Liability added to DTI. - Due Diligence Vendor-01/14/2026 |
1008.pdf 1003.pdf |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6852029 | N/A | N/A | ||||
| 8212258 | XXXXXXX | XXXXXX | Closed | 2025-12-30 08:54 | 2026-01-14 13:38 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. XXXX a/c has been included in DTI. Please find the attached revised 1003 & 1008. - Seller-01/13/2026 Counter-Liability #1 (Same XXXX account) for B2 on the 1003 shows it was not excluded from DTI, but it was not included in DTI, per the 1008 in file. Please provide updated 1008 with Liability # 1 (Same XXXX account) for B2 included in DTI. Condition remains. - Due Diligence Vendor-01/07/2026 Ready for Review-XXXX Account excluded from DTI is Duplicate tradeline. - Buyer-01/02/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence that liability #1 listed on Final 1003 for B1 was paid off prior to closing. Additional conditions may apply - Due Diligence Vendor-12/30/2025 |
Ready for Review-Document Uploaded. [redacted] a/c has been included in DTI. Please find the attached revised 1003 & 1008. - Seller-01/13/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/14/2026 |
1008.pdf 1003.pdf |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6851138 | N/A | N/A | ||||
| 8212258 | XXXXXXX | XXXXXX | Closed | 2025-12-30 09:05 | 2025-12-30 09:05 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/30/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/30/2025 |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6851441 | Investor Post-Close | No | ||||||
| 8212258 | XXXXXXX | XXXXXX | Closed | 2025-12-30 08:54 | 2025-12-30 08:59 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/30/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/30/2025 |
1) Minimal debts / Revolving accounts. 2) No derogatory events. |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6851136 | Originator Pre-Close | Yes | |||||
| 8212258 | XXXXXXX | XXXXXX | Closed | 2025-12-30 08:54 | 2025-12-30 08:59 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/30/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend to 60 days on credit to allow for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/30/2025 |
1) Minimal debts / Revolving accounts. 2) No derogatory events. |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6851137 | Originator Pre-Close | Yes | |||||
| 7733473 | XXXXXXX | XXXXXX | Closed | 2025-11-05 10:16 | 2025-11-05 16:24 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/05/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/05/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6133359 | Investor Post-Close | No | ||||||
| 5905401 | XXXXXXX | XXXXXX | Closed | 2025-12-19 11:26 | 2025-12-19 11:31 | Waived | 2 - Non-Material | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception in file for two recent 30-day lates on credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Lender exception in file for two recent 30-day lates on credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
1) Employment for an extended period at the same job. 2) Income not used to qualify. |
CA | Primary Residence | Refinance | Cash Out - Other | 6707587 | Originator Pre-Close | Yes | |||||
| 5905401 | XXXXXXX | XXXXXX | Closed | 2025-12-19 11:26 | 2025-12-19 11:31 | Waived | 2 - Non-Material | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Waived-ATR Risk - Credit History taken into consideration does not meet requirements Lender exception in file for two recent 30-day lates on credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 | Waived-ATR Risk - Credit History taken into consideration does not meet requirements Lender exception in file for two recent 30-day lates on credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
1) Employment for an extended period at the same job. 2) Income not used to qualify. |
CA | Primary Residence | Refinance | Cash Out - Other | 6707588 | Originator Pre-Close | Yes | |||||
| 8677219 | XXXXXXX | XXXXXX | Closed | 2025-11-06 07:31 | 2025-11-19 18:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided all LE's. Condition cleared. - Due Diligence Vendor-11/20/2025 Resolved-Resolved - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. Please see attached LE 1 and LE 2 that were disclosed to the borrower. There is no tolerance cure as per the attached LEs. Incorrect findings - Please waive. - Buyer-11/19/2025 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a broker fee of $0 & an Origination fee of $0. Final CD dated XX/XX/XXXX reflects a Broker fee of $X,XXX.XX and an Origination fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/06/2025 |
Resolved-Lender provided all LE's. Condition cleared. - Due Diligence Vendor-11/20/2025 Resolved-Resolved - Due Diligence Vendor-11/20/2025 |
LE 1.pdf LE 2.pdf |
CO | Primary Residence | Refinance | Cash Out - Other | 6151570 | N/A | N/A | |||||
| 8677219 | XXXXXXX | XXXXXX | Closed | 2025-11-06 07:31 | 2025-11-19 18:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided all LE's. Condition cleared. - Due Diligence Vendor-11/20/2025 Resolved-Resolved - Due Diligence Vendor-11/20/2025 Ready for Review-Document Uploaded. Please see attached LE 1 and LE 2 that were disclosed to the borrower. There is no tolerance cure as per the attached LEs. Incorrect findings - Please waive. - Buyer-11/19/2025 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) 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. The Loan Estimate, dated XX/XX/XXXX, reflects a broker fee of $0 & an Origination fee of $0. Final CD dated XX/XX/XXXX reflects a Broker fee of $X,XXX.XX and an Origination fee of $400. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/06/2025 |
Resolved-Lender provided all LE's. Condition cleared. - Due Diligence Vendor-11/20/2025 Resolved-Resolved - Due Diligence Vendor-11/20/2025 |
LE 1.pdf LE 2.pdf |
CO | Primary Residence | Refinance | Cash Out - Other | 6151569 | N/A | N/A | |||||
| 9483192 | XXXXXXX | XXXXXX | Closed | 2025-11-16 10:02 | 2025-12-02 10:11 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. Please see the final CD attached. - Seller-12/02/2025 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure. Compliance will be re-reviewed upon receipt of the Final CD. Additional conditions may apply. - Due Diligence Vendor-11/16/2025 |
Ready for Review-Document Uploaded. Please see the final CD attached. - Seller-12/02/2025 |
Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/02/2025 |
signed cd.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6265287 | N/A | N/A | ||||
| 9483192 | XXXXXXX | XXXXXX | Closed | 2025-12-01 09:02 | 2025-12-02 10:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure Prior and (Last CD Not In Person)(APR) | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved-Resolved - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. Please see the final CD attached. - Seller-12/02/2025 Open- Missing Final Closing Disclosure. Compliance will be re-reviewed upon receipt of the Final CD. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 Open- - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. Please see the final CD attached. - Seller-12/02/2025 |
Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved-Resolved - Due Diligence Vendor-12/02/2025 |
signed cd.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6427782 | N/A | N/A | ||||
| 9483192 | XXXXXXX | XXXXXX | Closed | 2025-12-01 09:02 | 2025-12-02 10:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure Prior Disclosed APR and Last CD Not In Person | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved-Resolved - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. Please see the final CD attached. - Buyer-12/02/2025 Open- Missing Final Closing Disclosure. Compliance will be re-reviewed upon receipt of the Final CD. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 Open- - Due Diligence Vendor-12/01/2025 |
Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-12/02/2025 Resolved-Resolved - Due Diligence Vendor-12/02/2025 |
signed cd.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6427781 | N/A | N/A | |||||
| 9483192 | XXXXXXX | XXXXXX | Closed | 2025-12-01 08:42 | 2025-12-01 08:42 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6427391 | Investor Post-Close | No | ||||||
| 2059855 | XXXXXXX | XXXXXX | Closed | 2025-12-10 16:33 | 2025-12-10 16:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 47.16% exceeds Guideline DTI of 43% DTI exception for HELOAN at 80-85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/10/2025 | Waived-Audited DTI of 47.16% exceeds Guideline DTI of 43% DTI exception for HELOAN at 80-85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/10/2025 |
1) Credit Score >/= 10+ Points more than qualifying. 2) 36+ Months 0x30 housing payment history. 3) Minimal debts / Revolving accounts. |
OR | Primary Residence | Refinance | Cash Out - Other | 6575708 | Originator Pre-Close | Yes | |||||
| 8274831 | XXXXXXX | XXXXXX | Closed | 2025-11-26 12:24 | 2026-05-12 11:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA VVOE dated XX/XX/XXXX is valid for 10 business days till closing XX/XX/XXXX. - Seller-11/30/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require VVOE to be completed within 10 business days of Note Date. VVOE in file for B1 was completed 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. PFA VVOE dated XX/XX/XXXX is valid for 10 business days till closing XX/XX/XXXX. - Seller-11/30/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/02/2025 |
Business Date Calculator_ Add_Subtract Workdays, Holidays or Weekends.pdf Business Date Calculator_ Add_Subtract Workdays, Holidays or Weekends.pdf B1 VVOE.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6404869 | N/A | N/A | ||||
| 8274831 | XXXXXXX | XXXXXX | Closed | 2025-11-26 12:19 | 2025-12-02 14:15 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Exception received to extend age of credit report. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA Exception form with compensating factors. - Buyer-11/30/2025 Open-Borrower 2 Gap Credit Report is Missing Lender guidelines require LQI report if Credit Report in file is dated more than 45 days prior to Note Date. Credit Report in file is dated 48 days prior to Note Date. Lender exception in file (pg. # 528) is not acceptable as it is missing compensating factors. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Waived-Exception received to extend age of credit report. - Due Diligence Vendor-12/02/2025 |
Exception form.pdf | Employment for an extended period at the same job 36+mo 0x30 payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 6404761 | Investor Post-Close | No | ||||
| 8274831 | XXXXXXX | XXXXXX | Closed | 2025-11-26 12:19 | 2025-12-02 14:15 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception received to extend credit report age. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA Exception form with compensating factors. - Seller-11/30/2025 Open-Borrower 1 Gap Credit Report is Missing Lender guidelines require LQI report if Credit Report in file is dated more than 45 days prior to Note Date. Credit Report in file is dated 48 days prior to Note Date. Lender exception in file (pg. # 528) is not acceptable as it is missing compensating factors. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. PFA Exception form with compensating factors. - Seller-11/30/2025 |
Waived-Exception received to extend credit report age. - Due Diligence Vendor-12/02/2025 |
Exception form.pdf | Employment for an extended period at the same job 36+mo 0x30 payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 6404760 | Originator Pre-Close | Yes | |||
| 8274831 | XXXXXXX | XXXXXX | Closed | 2025-11-26 12:26 | 2025-12-02 14:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA VVOE dated XX/XX/XXXX is valid for 10 business days till closing XX/XX/XXXX. - Seller-11/30/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require VVOE to be completed within 10 business days of Note Date. VVOE in file for B1 was completed 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. PFA VVOE dated XX/XX/XXXX is valid for 10 business days till closing XX/XX/XXXX. - Seller-11/30/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/02/2025 |
B1 VVOE.pdf B1 VVOE.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6404885 | N/A | N/A | ||||
| 8274831 | XXXXXXX | XXXXXX | Closed | 2025-11-26 12:05 | 2025-12-02 14:06 | Resolved | 1 - Information | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA Trust Documents - Buyer-11/30/2025 Open-Trust/POA Does Not Meet Guideline Requirements Lender guidelines require Trust Certificate (valid for 12 months prior to the Note Date) to be in the loan file. Trust Documentation is missing. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-12/02/2025 |
Trust agreement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6404418 | N/A | N/A | |||||
| 9370382 | XXXXXXX | XXXXXX | Closed | 2026-01-29 10:36 | 2026-02-03 09:47 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Property is a manufactured home. Per lender guidelines, lender will not lend on manufactured homes (without an exception). Exception is missing from loan file.. Exception received for manufactured home - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/02/2026 Open-Property type is ineligible due to Property is a manufactured home. Per lender guidelines, lender will not lend on manufactured homes (without an exception). Exception is missing from loan file.. Property is a manufactured home. Per lender guidelines, lender will not lend on manufactured homes (without an exception). Exception is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/29/2026 |
Waived-Property type is ineligible due to Property is a manufactured home. Per lender guidelines, lender will not lend on manufactured homes (without an exception). Exception is missing from loan file.. Exception received for manufactured home - Due Diligence Vendor-02/03/2026 |
exception form.pdf | CLTV >5% below max qualifying Credit Score >10pts above qualifying |
CA | Primary Residence | Refinance | Cash Out - Other | 7353402 | Originator Pre-Close | Yes | ||||
| 2961400 | XXXXXXX | XXXXXX | Closed | 2025-11-13 15:52 | 2026-05-14 07:50 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Revised exception received. - Due Diligence Vendor-05/14/2026 Waived-Revised exception received. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please find the attached updated exception form. - Buyer-12/04/2025 Open-Guidelines dated 10/07/25 require at least two active tradelines with a 24-month history. Lender approved exception provided in file listing compensating factors to include, "Employment for an extended period at the same job", listing the borrower's time of employment as 4 years, 9 months. The written and verbal VOEs in file reflect the number of months from the original hire date of 41 months or 3 years and 5 months. All lender compensating factors have not been documented and validated. - Due Diligence Vendor-11/13/2025 |
Waived-Revised exception received. - Due Diligence Vendor-05/14/2026 Waived-Revised exception received. - Due Diligence Vendor-12/08/2025 |
Exception Form.pdf | CLTV <5% below the Maximum Qualifying DTI <5% below the Maximum Qualifying Employment for an extended period at the same job |
TX | Primary Residence | Refinance | Cash Out - Other | 6245664 | Originator Pre-Close | Yes | ||||
| 1053123 | XXXXXXX | XXXXXX | Closed | 2025-12-10 11:52 | 2025-12-10 11:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6570335 | Investor Post-Close | No | ||||||
| 1053123 | XXXXXXX | XXXXXX | Closed | 2025-12-10 11:52 | 2025-12-10 11:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6570336 | Investor Post-Close | No | ||||||
| 1707040 | XXXXXXX | XXXXXX | Closed | 2025-11-25 15:19 | 2025-11-25 15:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6390182 | Investor Post-Close | No | ||||||
| 2587233 | XXXXXXX | XXXXXX | Closed | 2025-12-11 10:08 | 2025-12-17 11:32 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-. - Due Diligence Vendor-12/17/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/15/2025 Open-Appraisal or other primary valuation product is missing AVM is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 |
Resolved-. - Due Diligence Vendor-12/17/2025 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-12/17/2025 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6584872 | N/A | N/A | |||||
| 2587233 | XXXXXXX | XXXXXX | Closed | 2025-12-11 09:53 | 2025-12-17 11:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-12/17/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/15/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Please provide XXXX 1040s, all pages, to document rental income. Complete tax returns are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 |
Resolved-. - Due Diligence Vendor-12/17/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/17/2025 |
XXXX - 1040.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6584486 | N/A | N/A | |||||
| 2587233 | XXXXXXX | XXXXXX | Closed | 2025-12-11 10:17 | 2025-12-17 11:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received 1030. Condition cleared. - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/15/2025 Open-Please provide XXXX 1040s, all pages, to document rental income. Complete tax returns are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 |
Resolved-Received 1030. Condition cleared. - Due Diligence Vendor-12/17/2025 |
XXXX - 1040.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6585064 | N/A | N/A | |||||
| 9722177 | XXXXXXX | XXXXXX | Closed | 2025-12-26 14:48 | 2026-02-10 15:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |
MD | Primary Residence | Purchase | NA | 6819397 | Investor Post-Close | No | ||||||
| 9722177 | XXXXXXX | XXXXXX | Closed | 2026-02-10 15:08 | 2026-02-10 15:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 |
MD | Primary Residence | Purchase | NA | 7545272 | Investor Post-Close | No | ||||||
| 8659868 | XXXXXXX | XXXXXX | Closed | 2025-11-18 14:19 | 2025-11-18 14:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/18/2025 |
OH | Primary Residence | Refinance | Cash Out - Other | 6294262 | Investor Post-Close | No | ||||||
| 6024387 | XXXXXXX | XXXXXX | Closed | 2025-12-02 11:12 | 2025-12-04 18:51 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/05/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/05/2025 Resolved-Condition cleared. - Due Diligence Vendor-12/05/2025 Ready for Review-Closing date is XX/XX/XXXX and VVOE is dated XX/XX/XXXX which is valid till XX/XX/XXXX. Hence, VVOE was valid at the time closing. - Buyer-12/04/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require VVOE to be completed within 10 business days of closing. VVOE in file for B1 was completed within 11 business days of closing. Additional conditions may apply. - Due Diligence Vendor-12/02/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/05/2025 Resolved-Condition cleared. - Due Diligence Vendor-12/05/2025 |
CA | Investment | Refinance | Cash Out - Other | 6449481 | N/A | N/A | ||||||
| 6024387 | XXXXXXX | XXXXXX | Closed | 2025-12-02 11:12 | 2025-12-04 18:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/05/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-12/05/2025 Ready for Review-Closing date is XX/XX/XXXX and VVOE is dated XX/XX/XXXX which is valid till XX/XX/XXXX. Hence, VVOE was valid at the time closing. - Buyer-12/04/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require VVOE to be completed within 10 business days of closing. VVOE in file for B1 was completed within 11 business days of closing. Additional conditions may apply. - Due Diligence Vendor-12/02/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/05/2025 |
CA | Investment | Refinance | Cash Out - Other | 6449482 | N/A | N/A | ||||||
| 6024387 | XXXXXXX | XXXXXX | Closed | 2025-12-02 10:44 | 2025-12-04 18:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Please find the attached document. Taxes and Insurance document for primary residence and investment property listed in REO section 3b is not required and taxes and insurance are escrowed in monthly mortgage payment. - Seller-12/04/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Please provide current mortgage statement for primary residence listed on Final 1003. Please also provide evidence of hazard insurance and property taxes for primary residence listed on Final 1003. Additional conditions may apply. 2) Please provide verification of the new 2nd lien payment for REO 3b on Final 1003. Please also provide evidence of hazard insurance and property taxes for REO 3b on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document Uploaded. Please find the attached document. Taxes and Insurance document for primary residence and investment property listed in REO section 3b is not required and taxes and insurance are escrowed in monthly mortgage payment. - Seller-12/04/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/05/2025 |
Final CD - XXX XXXX XXX XX.pdf Final CD - XXX XXXX XXX XX.pdf Mortgage statement primary home.pdf Mortage statement - XXX XXXX XXX XX.pdf |
CA | Investment | Refinance | Cash Out - Other | 6448735 | N/A | N/A | ||||
| 6024387 | XXXXXXX | XXXXXX | Closed | 2025-12-02 11:15 | 2025-12-04 18:42 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-REO 3b Mortgage statement provided. Condition cleared. - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. Please find the attached document. Taxes and Insurance document for primary residence and investment property listed in REO section 3b is not required and taxes and insurance are escrowed in monthly mortgage payment. - Buyer-12/04/2025 Open-1) Please provide current mortgage statement for primary residence listed on Final 1003. Please also provide evidence of hazard insurance and property taxes for primary residence listed on Final 1003. Additional conditions may apply. 2) Please provide verification of the new 2nd lien payment for REO 3b on Final 1003. Please also provide evidence of hazard insurance and property taxes for REO 3b on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/02/2025 |
Resolved-REO 3b Mortgage statement provided. Condition cleared. - Due Diligence Vendor-12/05/2025 |
Mortage statement - XXX XXXX XXX XX.pdf Final CD - XXX XXXX XXX XX.pdf Mortgage statement primary home.pdf |
CA | Investment | Refinance | Cash Out - Other | 6449523 | N/A | N/A | |||||
| 4529507 | XXXXXXX | XXXXXX | Closed | 2025-11-06 08:55 | 2025-11-06 08:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 6152887 | Investor Post-Close | No | ||||||
| 4587575 | XXXXXXX | XXXXXX | Closed | 2025-12-26 11:47 | 2026-02-09 11:14 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-02/06/2026 Open-Provided HOI does not show second lien mortgagee clause. - Due Diligence Vendor-12/26/2025 |
Resolved-Received - Due Diligence Vendor-02/09/2026 |
HOI.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6816080 | N/A | N/A | |||||
| 4587575 | XXXXXXX | XXXXXX | Closed | 2025-12-26 11:32 | 2025-12-26 11:32 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX however it is within the disbursement date XX/XX/XXXX - Due Diligence Vendor-12/26/2025 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX however it is within the disbursement date XX/XX/XXXX - Due Diligence Vendor-12/26/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6815679 | Investor Post-Close | No | ||||||
| 5341111 | XXXXXXX | XXXXXX | Closed | 2025-12-03 10:40 | 2026-05-12 12:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/08/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please find the final CD to verify the 2nd lien payment and Tax cert for investment property listed in REO 3b. For Primary residence, tax cert is not required as the taxes and insurance are escrowed in monthly mortgage payment. - Seller-12/04/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Please provide verification of the new 2nd lien payment for investment property (REO 3b) on Final 1003. Please also provide evidence of property taxes for investment property (REO 3b) on Final 1003. Additional conditions may apply. 2) Please provide evidence of property taxes for primary residence (REO 3c) on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Document Uploaded. Please find the final CD to verify the 2nd lien payment and Tax cert for investment property listed in REO 3b. For Primary residence, tax cert is not required as the taxes and insurance are escrowed in monthly mortgage payment. - Seller-12/04/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/08/2025 |
Final CD.pdf Final CD.pdf |
CA | Investment | Refinance | Cash Out - Other | 6466251 | N/A | N/A | ||||
| 5341111 | XXXXXXX | XXXXXX | Closed | 2025-12-03 11:13 | 2026-05-12 12:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please find the attached final CD of simultaneous closing loan which is showing cash back to borrower $XX,XXX and assets required for closing of this loan are $XX,XXX.XX. - Seller-12/04/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The funds come from simultaneous closing, however, no documents to verify. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Document Uploaded. Please find the attached final CD of simultaneous closing loan which is showing cash back to borrower $XX,XXX and assets required for closing of this loan are $XX,XXX.XX. - Seller-12/04/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/08/2025 |
Final CD.pdf | CA | Investment | Refinance | Cash Out - Other | 6467552 | N/A | N/A | ||||
| 5341111 | XXXXXXX | XXXXXX | Closed | 2025-11-11 13:54 | 2026-05-08 13:00 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please find the attached final CD of simultaneous closing loan which is showing cash back to borrower $XX,XXX and assets required for closing of this loan are $XX,XXX.XX. - Buyer-12/04/2025 Open-Insufficient asset documentation in file - assets do not cover closing costs. The funds come from simultaneous closing, however, no documents to verify. Additional conditions may apply. - Due Diligence Vendor-11/15/2025 |
Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-12/08/2025 |
Final CD.pdf | CA | Investment | Refinance | Cash Out - Other | 6213010 | N/A | N/A | |||||
| 5341111 | XXXXXXX | XXXXXX | Closed | 2025-12-03 10:44 | 2025-12-08 12:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/08/2025 Ready for Review-Closing date is XX/XX/XXXX and VVOE is dated XX/XX/XXXX which is valid till XX/XX/XXXX. Hence, VVOE was valid at the time closing. - Buyer-12/04/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require VVOE to be completed within 10 business days of Note Date. VVOE for Borrower 1 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/08/2025 |
CA | Investment | Refinance | Cash Out - Other | 6466846 | N/A | N/A | ||||||
| 5341111 | XXXXXXX | XXXXXX | Closed | 2025-11-15 09:11 | 2025-12-08 12:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please find the final CD to verify the 2nd lien payment and Tax cert for investment property listed in REO 3b. For Primary residence, tax cert is not required as the taxes and insurance are escrowed in monthly mortgage payment. - Buyer-12/04/2025 Open-1) Please provide verification of the new 2nd lien payment for investment property (REO 3b) on Final 1003. Please also provide evidence of property taxes for investment property (REO 3b) on Final 1003. Additional conditions may apply. 2) Please provide evidence of property taxes for primary residence (REO 3c) on Final 1003. Additional conditions may apply. - Due Diligence Vendor-11/15/2025 |
Resolved-Received. - Due Diligence Vendor-12/08/2025 |
Tax Cert.pdf Tax Cert.pdf |
CA | Investment | Refinance | Cash Out - Other | 6263599 | N/A | N/A | |||||
| 5341111 | XXXXXXX | XXXXXX | Closed | 2025-12-03 10:21 | 2025-12-08 12:04 | Resolved | 1 - Information | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/04/2025 Open-Trust/POA Does Not Meet Guideline Requirements Lender guidelines require Trust Certificate/Documentation (valid for 12 months prior to Note Date). Documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/03/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/04/2025 |
Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-12/08/2025 |
Trust Document.pdf | CA | Investment | Refinance | Cash Out - Other | 6465127 | N/A | N/A | ||||
| 7491792 | XXXXXXX | XXXXXX | Closed | 2025-12-01 11:20 | 2025-12-01 11:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6430489 | Investor Post-Close | No | ||||||
| 2369657 | XXXXXXX | XXXXXX | Closed | 2025-12-10 11:25 | 2026-02-20 13:57 | Resolved | 1 - Information | Credit | Eligibility | Ineligible Property Type | Resolved-Approved exception dated XX/XX/XXXX received for subject property manufactured home with no appraisal. Compensating factors validated. Condition resolved. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/19/2026 Counter-Home may be single family, but it is also manufactured per AVM, Drive fraud report and the signed 1003, Lack of rider is not confirmation. - Due Diligence Vendor-01/02/2026 Ready for Review-There is no manufactured house Rider with previous DOT, the HOI also shows property is insured as single family and online search (XXXXXX, realtor.com etc) confirm property is single family. - Buyer-12/29/2025 Open-Property type is ineligible due to Manufactured Home . Ineligible Property Type – Property type is ineligible due to it’s a Manufactured Home. According to lender guidelines 4-3-3 Manufactured Home – Disallowed- XXXXXX XXXXXXX will not lend on manufactured homes (without an exception). Documentation required: HUD Data Plate; HUD Certification Label(s); Appraisal Report (Form 1004C) must include photos of either the HUD Data Plate, or the HUD Certification Label(s). Note: the AVM and Drive Report list the property type as a Manufactured Home. - Due Diligence Vendor-12/10/2025 |
Resolved-Approved exception dated XX/XX/XXX received for subject property manufactured home with no appraisal. Compensating factors validated. Condition resolved. - Due Diligence Vendor-02/20/2026 |
exception form.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 6569746 | N/A | N/A | |||||
| 2369657 | XXXXXXX | XXXXXX | Closed | 2025-12-10 10:55 | 2025-12-17 19:58 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Resolved - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Signed CD attached with audit trail - Buyer-12/16/2025 Open- - Due Diligence Vendor-12/11/2025 Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgement of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No cure. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-. - Due Diligence Vendor-12/18/2025 Resolved-Resolved - Due Diligence Vendor-12/18/2025 |
Complete_with_Docusign_XXXXXX_-_CD.pdf Complete_with_Docusign_XXXXXX_-_CD.pdf |
NC | Primary Residence | Refinance | Cash Out - Other | 6568976 | N/A | N/A | |||||
| 6533545 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:07 | 2026-01-14 16:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7095750 | Investor Post-Close | No | ||||||
| 6533545 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:00 | 2026-01-14 16:01 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception for 15-day extension on LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception for 15-day extension on LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 |
1) Minimal debts / Revolving accounts. 2) No derogatory events. |
TX | Primary Residence | Refinance | Cash Out - Other | 7095662 | Originator Pre-Close | Yes | |||||
| 6533545 | XXXXXXX | XXXXXX | Closed | 2026-01-14 16:00 | 2026-01-14 16:01 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception for 15-day extension on LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception for 15-day extension on LQI expiration. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 |
1) Minimal debts / Revolving accounts. 2) No derogatory events. |
TX | Primary Residence | Refinance | Cash Out - Other | 7095663 | Originator Pre-Close | Yes | |||||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 10:49 | 2026-05-12 12:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/26/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require award letter or VA Certificate of eligibility to document VA Benefits income. Both documents are missing from loan file for B1. Additional conditions may apply. - Due Diligence Vendor-01/23/2026 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/26/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/27/2026 |
COE.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 7271704 | N/A | N/A | ||||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 11:17 | 2026-01-27 11:40 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received for DTI to 50 - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/26/2026 Open-Audited DTI of 47.13% exceeds Guideline DTI of 43% The Audited DTI of 47.13% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/23/2026 |
Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/26/2026 |
Waived-Exception received for DTI to 50 - Due Diligence Vendor-01/27/2026 |
exception form.pdf | 36+mo 0x30 housing history Minimal debts |
UT | Primary Residence | Refinance | Cash Out - Other | 7273461 | Originator Pre-Close | Yes | |||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 10:49 | 2026-01-27 11:38 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/26/2026 Open-Borrower 1 Award Letter Missing Lender guidelines require award letter or VA Certificate of eligibility to document VA Benefits income. Both documents are missing from loan file for B1. Additional conditions may apply. - Due Diligence Vendor-01/23/2026 |
Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-01/27/2026 |
COE.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 7271702 | N/A | N/A | |||||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 11:17 | 2026-01-23 11:17 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 619 is less than Guideline FICO of 620 Lender exception in file for Qualifying FICO below minimum required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 | Waived-Audited FICO of 619 is less than Guideline FICO of 620 Lender exception in file for Qualifying FICO below minimum required. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) Income not used to qualify. |
UT | Primary Residence | Refinance | Cash Out - Other | 7273462 | Originator Pre-Close | Yes | |||||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 10:49 | 2026-01-23 10:49 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Award Letter Missing | Waived-Borrower 2 Award Letter Missing Lender exception in file for bank statements to be used in place of award letter/1099 for SSI for B2. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 | Waived-Borrower 2 Award Letter Missing Lender exception in file for bank statements to be used in place of award letter/1099 for SSI for B2. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) Income not used to qualify. |
UT | Primary Residence | Refinance | Cash Out - Other | 7271703 | Originator Pre-Close | Yes | |||||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 10:39 | 2026-01-23 10:44 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) 36+ Months 0x30 housing payment history |
UT | Primary Residence | Refinance | Cash Out - Other | 7271474 | Originator Pre-Close | Yes | |||||
| 7541526 | XXXXXXX | XXXXXX | Closed | 2026-01-23 10:39 | 2026-01-23 10:44 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) 36+ Months 0x30 housing payment history |
UT | Primary Residence | Refinance | Cash Out - Other | 7271475 | Originator Pre-Close | Yes | |||||
| 8140000 | XXXXXXX | XXXXXX | Closed | 2026-01-14 15:00 | 2026-01-14 15:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7094828 | Investor Post-Close | No | ||||||
| 8137953 | XXXXXXX | XXXXXX | Closed | 2025-11-06 14:35 | 2025-11-07 06:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/07/2025 | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/07/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6161171 | Investor Post-Close | No | ||||||
| 9174073 | XXXXXXX | XXXXXX | Closed | 2025-12-04 11:05 | 2026-01-14 13:07 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-e consent received. - Due Diligence Vendor-01/14/2026 Ready for Review-Please provide the guideline which states the expiration of e-consent? - Buyer-01/13/2026 Counter-E consent provided is 24+mo old. - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-01/09/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 |
Resolved-e consent received. - Due Diligence Vendor-01/14/2026 |
Summary (2).pdf | MI | Primary Residence | Refinance | Cash Out - Other | 6486605 | N/A | N/A | |||||
| 9174073 | XXXXXXX | XXXXXX | Closed | 2025-12-04 12:10 | 2026-01-12 14:49 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception form received. - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-01/12/2026 Open-Audited DTI of 44.97% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 |
Waived-Exception form received. - Due Diligence Vendor-01/12/2026 |
exception form.pdf | 36+ mo 0x30 housing payment history Minimal debt |
MI | Primary Residence | Refinance | Cash Out - Other | 6488341 | Originator Pre-Close | Yes | ||||
| 7340886 | XXXXXXX | XXXXXX | Closed | 2025-11-06 09:02 | 2025-11-07 08:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2025 |
FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6153056 | Investor Post-Close | No | ||||||
| 8568022 | XXXXXXX | XXXXXX | Closed | 2025-12-26 11:38 | 2025-12-26 11:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6815799 | Investor Post-Close | No | ||||||
| 5434532 | XXXXXXX | XXXXXX | Closed | 2026-01-14 12:53 | 2026-01-14 13:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Resolved - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) 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-01/14/2026 |
Resolved-Resolved - Due Diligence Vendor-01/14/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7091929 | N/A | N/A | ||||||
| 5434532 | XXXXXXX | XXXXXX | Closed | 2026-01-14 12:53 | 2026-01-14 13:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/14/2026 |
Resolved-Resolved - Due Diligence Vendor-01/14/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7091930 | N/A | N/A | ||||||
| 5434532 | XXXXXXX | XXXXXX | Closed | 2025-12-04 07:46 | 2026-01-14 12:53 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD received. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please see attached the initial CD that was disclosed to borrower. - Seller-01/13/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) The Initial CD is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-12/04/2025 Open- - Due Diligence Vendor-12/04/2025 Open- - Due Diligence Vendor-12/04/2025 |
Ready for Review-Document Uploaded. Please see attached the initial CD that was disclosed to borrower. - Seller-01/13/2026 |
Resolved-Initial CD received. - Due Diligence Vendor-01/14/2026 |
Initial CD.pdf Audit trail.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6481253 | N/A | N/A | ||||
| 5434532 | XXXXXXX | XXXXXX | Closed | 2025-12-05 13:59 | 2026-01-14 12:46 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received for DTI - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/13/2026 Open-Audited DTI of 47.86% exceeds Guideline DTI of 43% The Audited DTI of 47.86% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/13/2026 |
Waived-Exception received for DTI - Due Diligence Vendor-01/14/2026 |
exception form.pdf | 36+ mo 0x30 housing payment history No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 6509909 | Originator Pre-Close | Yes | |||
| 1334394 | XXXXXXX | XXXXXX | Closed | 2025-12-01 14:24 | 2025-12-01 14:24 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 6434661 | Investor Post-Close | No | ||||||
| 3650945 | XXXXXXX | XXXXXX | Closed | 2025-11-20 07:50 | 2025-11-20 07:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6318804 | Investor Post-Close | No | ||||||
| 5767621 | XXXXXXX | XXXXXX | Closed | 2026-01-21 14:41 | 2026-01-21 14:41 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2) | Waived-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. Lender exception to allow less than a 3-year continuance for disability income. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/21/2026 | Waived-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. Lender exception to allow less than a 3-year continuance for disability income. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/21/2026 |
1) Credit Score >/= 10+ Points more than qualifying. 2) Reserves over two months of PITI. |
CA | Primary Residence | Refinance | Cash Out - Other | 7224127 | Originator Pre-Close | Yes | |||||
| 5767621 | XXXXXXX | XXXXXX | Closed | 2025-12-14 11:02 | 2025-12-14 11:02 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 678 is less than Guideline FICO of 680 Lender guidelines states credit score 680, Despite the requirement 678. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented - Due Diligence Vendor-12/14/2025 | Waived-Audited FICO of 678 is less than Guideline FICO of 680 Lender guidelines states credit score 680, Despite the requirement 678. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented - Due Diligence Vendor-12/14/2025 |
Income documentation needs to be 3 years compensatory factors are met |
CA | Primary Residence | Refinance | Cash Out - Other | 6616260 | Originator Pre-Close | Yes | |||||
| 1531676 | XXXXXXX | XXXXXX | Closed | 2025-11-05 10:55 | 2026-05-14 07:48 | Cured | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Cured-Received VVOE dated XX/XX/XXXX which is after the Note date of XX/XX/XXXX. - Due Diligence Vendor-05/14/2026 Acknowledged-Received VVOE dated XX/XX/XXXX which is after the Note date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. PFA B1 VVOE dated post close - Ok for Grade B in this case. - Buyer-12/02/2025 Counter-To use a paystub in lieu of VVOE, guidelines specify 10 days prior to close. Stub is dated 16 days prior to closing. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Paystub dated XX/XX/XXXX - Seller-11/27/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/05/2025 |
Ready for Review-Document Uploaded. PFA Paystub dated XX/XX/XXXX - Seller-11/27/2025 |
Cured-Received VVOE dated XX/XX/XXXX which is after the Note date of XX/XX/XXXX. - Due Diligence Vendor-05/14/2026 Acknowledged-Received VVOE dated XX/XX/XXXX which is after the Note date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025 |
Paystub dated XX/XX.pdf B1 VVOE.pdf |
TX | Investment | Purchase | NA | 6138189 | N/A | N/A | ||||
| 1531676 | XXXXXXX | XXXXXX | Closed | 2026-05-07 12:31 | 2026-05-07 12:36 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-05/07/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (Compliance Testing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-Resolved - Due Diligence Vendor-05/07/2026 |
TX | Investment | Purchase | NA | 9089147 | N/A | N/A | ||||||
| 1531676 | XXXXXXX | XXXXXX | Closed | 2026-05-07 12:31 | 2026-05-07 12:36 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Resolved - Due Diligence Vendor-05/07/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX.XX). The actual total fee amount shows a credit amount of ($XX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Compliance Testing Fee). 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-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-Resolved - Due Diligence Vendor-05/07/2026 |
TX | Investment | Purchase | NA | 9089148 | N/A | N/A | ||||||
| 1531676 | XXXXXXX | XXXXXX | Closed | 2025-11-06 13:02 | 2025-12-04 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received verification of property taxes for primary. Condition cleared. - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. Taxes Attached - Seller-12/02/2025 Counter-Missing property tax info. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA document - Buyer-11/27/2025 Open-Supporting document missing in the loan to verify primary residence PITIA payment. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. Taxes Attached - Seller-12/02/2025 |
Resolved-Received verification of property taxes for primary. Condition cleared. - Due Diligence Vendor-12/04/2025 |
HOi for XXXX XXXX XXXXXX XX.pdf HOi for XXXX XXXX XXXXXX XX.pdf Mortgage statement for XXXX XXXX XXXXXX XX.pdf Mortgage statement for XXXX XXXX XXXXXX XX.pdf XXX for XXXX XXXX XXXXXX XX.pdf Taxes for XXXX XXXX XXXXXX XX.pdf |
TX | Investment | Purchase | NA | 6159387 | N/A | N/A | ||||
| 1531676 | XXXXXXX | XXXXXX | Closed | 2025-11-06 13:00 | 2025-12-01 15:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-Received. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA Document - Seller-11/27/2025 Open-Missing Evidence of XXX Dues for Primary Residence - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. PFA Document - Seller-11/27/2025 |
Resolved-Received. - Due Diligence Vendor-12/01/2025 |
XXX1 for XXXX XXXX XXXXXX XX.pdf XXX1 for XXXX XXXX XXXXXX XX.pdf |
TX | Investment | Purchase | NA | 6159355 | N/A | N/A | ||||
| 1531676 | XXXXXXX | XXXXXX | Closed | 2025-11-06 12:58 | 2025-12-01 15:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Received. - Due Diligence Vendor-12/01/2025 Ready for Review-Document Uploaded. PFA HOI for REO2 - Seller-11/27/2025 Open-Missing Evidence of Insurance for property REO-2 on final application. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. PFA HOI for REO2 - Seller-11/27/2025 |
Resolved-Received. - Due Diligence Vendor-12/01/2025 |
HOI for XXXX XXXX XXXXXX XXpdf | TX | Investment | Purchase | NA | 6159316 | N/A | N/A | ||||
| 3080449 | XXXXXXX | XXXXXX | Closed | 2025-11-05 14:19 | 2025-11-18 17:56 | Resolved | 1 - Information | Compliance | XXXXXX | HighCost: Fees | Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/18/2025 Counter-The final CD is missing from the loan file. Compliance will be re-reviewed upon receipt of the final CD. Condition maintained. - Due Diligence Vendor-11/07/2025 Ready for Review-Total of Loan Fees is $XXXX.XX, not $XXXX.XX, which includes origination fee of XXXX.XX, Due Diligence Fee of XX.XX, VOE fee of XX.XX and Settlement Fee of XXX.XX. Invalid condition. Please waive. - Buyer-11/07/2025 Open- - Due Diligence Vendor-11/06/2025 Open-The loan fees ($X,XXX.XX) exceed the (GA2014) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-11/05/2025 Open- - Due Diligence Vendor-11/05/2025 |
Resolved-Lender provided final CD. Condition cleared. - Due Diligence Vendor-11/18/2025 Resolved- - Due Diligence Vendor-11/18/2025 |
XXXXXXXX cd.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 6143622 | N/A | N/A | |||||
| 3080449 | XXXXXXX | XXXXXX | Closed | 2025-11-06 07:09 | 2025-11-06 10:41 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.02% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2025 | Waived-Audited DTI of 48.02% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/06/2025 |
Employment of 5 years on the same job and 36+ Months 0x30 housing payment history. See current mortgage from XX/XXXX-present and prev. mortgage from XX/XXXX-XX/XXXX. Full 36 months-0 lates. | GA | Primary Residence | Refinance | Cash Out - Other | 6151306 | Originator Pre-Close | Yes | |||||
| 3080449 | XXXXXXX | XXXXXX | Closed | 2025-11-05 13:37 | 2025-11-06 08:19 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-11/05/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-11/05/2025 |
GA | Primary Residence | Refinance | Cash Out - Other | 6142849 | Investor Post-Close | No | ||||||
| 1782498 | XXXXXXX | XXXXXX | Closed | 2025-12-05 13:47 | 2025-12-05 13:48 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2025 |
UT | Primary Residence | Refinance | Cash Out - Other | 6509530 | Investor Post-Close | No | ||||||
| 7557514 | XXXXXXX | XXXXXX | Closed | 2026-01-05 10:59 | 2026-01-05 10:59 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 6916729 | Investor Post-Close | No | ||||||
| 9502882 | XXXXXXX | XXXXXX | Closed | 2025-12-03 17:40 | 2026-01-13 17:03 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-Resolved - Due Diligence Vendor-01/13/2026 Ready for Review-. . - Due Diligence Vendor-01/13/2026 Ready for Review-Please refer the disclosure tracking summary, which reflects no LE was disclosed to borrower on XX/XX/XXXX. The disclosure package dated XX/XX/XXXX was incorrectly placed to documents and was never disclosed to borrower. Please waive the condition - Buyer-01/13/2026 Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) The re-disclosed LE reflects a Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied, and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of (XX/XX/XXXX). Additional conditions may apply. - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-12/03/2025 |
Resolved-Resolved - Due Diligence Vendor-01/13/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6475607 | N/A | N/A | ||||||
| 9502882 | XXXXXXX | XXXXXX | Closed | 2025-12-03 17:52 | 2026-01-13 17:03 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Resolved - Due Diligence Vendor-01/13/2026 Ready for Review-Please refer the disclosure tracking summary, which reflects no LE was disclosed to borrower on XX/XX/XXXX. The disclosure package dated XX/XX/XXXX was incorrectly placed to documents and was never disclosed to borrower. Please waive the condition - Seller-01/13/2026 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) The re-disclosed LE reflects a Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied, and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of (XX/XX/XXXX). Additional conditions may apply. - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-12/03/2025 |
Ready for Review-Please refer the disclosure tracking summary, which reflects no LE was disclosed to borrower on XX/XX/XXXX. The disclosure package dated XX/XX/XXXX was incorrectly placed to documents and was never disclosed to borrower. Please waive the condition - Seller-01/13/2026 |
Resolved-Resolved - Due Diligence Vendor-01/13/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6475677 | N/A | N/A | |||||
| 9502882 | XXXXXXX | XXXXXX | Closed | 2026-01-12 15:05 | 2026-01-13 17:03 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Resolved - Due Diligence Vendor-01/13/2026 Ready for Review-Kindly share the details for which there is variation. As per our calculations, there is no Cure - Seller-01/13/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) 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. Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the 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. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Ready for Review-Kindly share the details for which there is variation. As per our calculations, there is no Cure - Seller-01/13/2026 |
Resolved-Resolved - Due Diligence Vendor-01/13/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7049853 | N/A | N/A | |||||
| 9502882 | XXXXXXX | XXXXXX | Closed | 2026-01-12 15:05 | 2026-01-13 17:03 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-01/13/2026 Ready for Review-Kindly share the details for which there is variation. As per our calculations, there is no Cure - Seller-01/13/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Additional conditions may apply - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Ready for Review-Kindly share the details for which there is variation. As per our calculations, there is no Cure - Seller-01/13/2026 |
Resolved-Resolved - Due Diligence Vendor-01/13/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7049854 | N/A | N/A | |||||
| 9502882 | XXXXXXX | XXXXXX | Closed | 2026-01-12 14:32 | 2026-01-13 17:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/13/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender Guidelines require the award letter or 1099 to document Social Security Income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/13/2026 |
Social Security Award Letter.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7049246 | N/A | N/A | |||||
| 9502882 | XXXXXXX | XXXXXX | Closed | 2026-01-12 15:07 | 2026-01-13 16:51 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Award letter recevied. - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/13/2026 Open-Lender Guidelines require the award letter or 1099 to document XXXXXX XXXXXXXX Income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/13/2026 |
Resolved-Award letter recevied. - Due Diligence Vendor-01/13/2026 |
Social Security Award Letter.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7049893 | N/A | N/A | ||||
| 8483190 | XXXXXXX | XXXXXX | Closed | 2026-01-05 04:29 | 2026-02-20 16:43 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-AVM received. Condition resolved. - Due Diligence Vendor-02/20/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached AVM. - Buyer-02/20/2026 Open-Appraisal or other primary valuation product is missing The Appraisal or other primary valuation product is missing. Additional conditions may apply. - Due Diligence Vendor-02/19/2026 |
Resolved-AVM received. Condition resolved. - Due Diligence Vendor-02/20/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-02/20/2026 |
AVM.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 6909993 | N/A | N/A | |||||
| 7072149 | XXXXXXX | XXXXXX | Closed | 2025-12-10 08:09 | 2025-12-13 21:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received HOI doc. Condition cleared. - Due Diligence Vendor-12/14/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-Please provide evidence of hazard insurance for Second Home (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |
Resolved-Received HOI doc. Condition cleared. - Due Diligence Vendor-12/14/2025 |
Other REO PITI.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6564145 | N/A | N/A | |||||
| 7072149 | XXXXXXX | XXXXXX | Closed | 2025-12-10 07:49 | 2025-12-13 21:55 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/14/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements . - Due Diligence Vendor-12/14/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of hazard insurance for Second Home (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/14/2025 |
Other REO PITI.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6563875 | N/A | N/A | |||||
| 7072149 | XXXXXXX | XXXXXX | Closed | 2025-12-10 07:53 | 2025-12-10 07:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6563941 | Investor Post-Close | No | ||||||
| 8745536 | XXXXXXX | XXXXXX | Closed | 2025-11-13 11:27 | 2025-11-19 17:57 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-11/19/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-11/19/2025 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 |
Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-11/19/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-11/19/2025 |
E-consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6240934 | N/A | N/A | |||||
| 8745536 | XXXXXXX | XXXXXX | Closed | 2025-11-15 11:43 | 2025-11-19 06:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/19/2025 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Per flood certificate, the property is located in zone A99. Flood Insurance Policy missing. Additional conditions may apply. - Due Diligence Vendor-11/15/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/19/2025 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-11/19/2025 |
Exception Form.pdf Exception Form.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6263849 | N/A | N/A | ||||
| 8745536 | XXXXXXX | XXXXXX | Closed | 2025-11-13 12:03 | 2025-11-19 06:21 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-11/19/25-Flood policy in force at time of closing w/proof of payment provided. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/19/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-11/19/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/19/2025 Open-Missing Flood Insurance Policy Per flood certificate, the property is located in zone A99. Flood Insurance Policy missing. Additional conditions may apply. - Due Diligence Vendor-11/13/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/19/2025 |
Resolved-11/19/25-Flood policy in force at time of closing w/proof of payment provided. No issues noted. - Due Diligence Vendor-11/19/2025 Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-11/19/2025 |
Flood Ins Policy.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6241651 | N/A | N/A | ||||
| 6868011 | XXXXXXX | XXXXXX | Closed | 2025-11-26 15:25 | 2026-05-12 11:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/02/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require an award letter or 1099 to document proof of Social Security Income. Award letter or 1099 missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/03/2025 |
B2 Award Letter.pdf B2 Award Letter.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6408703 | N/A | N/A | |||||
| 6868011 | XXXXXXX | XXXXXX | Closed | 2025-11-26 15:50 | 2025-12-03 08:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2) | Resolved-Document received. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/02/2025 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. Lender guidelines require an award letter or 1099 to document proof of Social Security Income. Award letter or 1099 missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/02/2025 |
Resolved-Document received. - Due Diligence Vendor-12/03/2025 |
B2 Award Letter.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6408982 | N/A | N/A | ||||
| 6868011 | XXXXXXX | XXXXXX | Closed | 2025-11-26 15:50 | 2025-12-03 08:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Pension, Retirement, Disability (Borrower) | Resolved-Document received. - Due Diligence Vendor-12/03/2025 Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/02/2025 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower1's other retirement, pension, disability type of income in file. Lender guidelines require an award letter or 1099 to document proof of Social Security Income. Award letter or 1099 missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-12/02/2025 |
Resolved-Document received. - Due Diligence Vendor-12/03/2025 |
B1 Award Letter.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6408980 | N/A | N/A | ||||
| 6868011 | XXXXXXX | XXXXXX | Closed | 2025-11-26 15:27 | 2025-11-26 15:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6408750 | Investor Post-Close | No | ||||||
| 2471046 | XXXXXXX | XXXXXX | Closed | 2025-11-07 09:41 | 2025-11-11 09:38 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Final Application | Resolved-Lender provided legible final 1003. Condition cleared. - Due Diligence Vendor-11/11/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-11/11/2025 Ready for Review-Document Uploaded. Please see attached unsigned 1003 - Buyer-11/11/2025 Counter-A copy of the final, unsigned, 1003 is acceptable as we have a copy of the final that is signed. - Due Diligence Vendor-11/10/2025 Ready for Review-If unsigned copy is provided, will that clear the condition? - Buyer-11/10/2025 Counter-The document is hard to read due to the copying of the document. Please see page 486. Condition maintained. - Due Diligence Vendor-11/10/2025 Ready for Review-***Correction : Please advise why the final 1003 is not legible? - Seller-11/10/2025 Ready for Review-Please advise why the final Closing disclosure is not legible? - Seller-11/10/2025 Open-The Final 1003 is Incomplete Final 1003 in file is not legible. Additional conditions may apply. - Due Diligence Vendor-11/07/2025 |
Ready for Review-***Correction : Please advise why the final 1003 is not legible? - Seller-11/10/2025 Ready for Review-Please advise why the final Closing disclosure is not legible? - Seller-11/10/2025 |
Resolved-Lender provided legible final 1003. Condition cleared. - Due Diligence Vendor-11/11/2025 Resolved-The Final 1003 is Present - Due Diligence Vendor-11/11/2025 |
Final unsigned 1003.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6170870 | N/A | N/A | ||||
| 2471046 | XXXXXXX | XXXXXX | Closed | 2025-11-06 08:19 | 2025-11-11 09:38 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Lender provided legible Note. Condition cleared. - Due Diligence Vendor-11/11/2025 Resolved-The Note is Present - Due Diligence Vendor-11/11/2025 Ready for Review-Document Uploaded. Please see attached unsigned NOTE - Seller-11/11/2025 Counter-. - Due Diligence Vendor-11/10/2025 Counter-A copy of the final, unsigned, Note is acceptable as we have a copy of the final that is signed. - Due Diligence Vendor-11/10/2025 Ready for Review-If unsigned copy is provided, will that clear the condition? - Buyer-11/10/2025 Counter-The document is hard to read due to the copying of the document. Please see page 386. Condition maintained. - Due Diligence Vendor-11/10/2025 Ready for Review-Please advise why the NOTE is not legible? - Buyer-11/10/2025 Open-The Note is Incomplete Note in file is not legible. Additional conditions may apply. - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document Uploaded. Please see attached unsigned NOTE - Seller-11/11/2025 |
Resolved-Lender provided legible Note. Condition cleared. - Due Diligence Vendor-11/11/2025 Resolved-The Note is Present - Due Diligence Vendor-11/11/2025 |
Unsigned NOTE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6152286 | N/A | N/A | ||||
| 2471046 | XXXXXXX | XXXXXX | Closed | 2025-11-07 10:11 | 2025-11-11 09:38 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided legible final CD. Condition cleared. - Due Diligence Vendor-11/11/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/11/2025 Ready for Review-Document Uploaded. Please see attached unsigned CD - Buyer-11/11/2025 Counter-A copy of the final, unsigned, CD is acceptable as we have a copy of the final that is signed. - Due Diligence Vendor-11/10/2025 Ready for Review-If unsigned copy is provided, will that clear the condition? - Buyer-11/10/2025 Counter-The document is hard to read due to the copying of the document. Please see page 67. Condition maintained. - Due Diligence Vendor-11/10/2025 Ready for Review-Please advise why the final Closing disclosure is not legible? - Buyer-11/10/2025 Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is not legible. Additional conditions may apply. - Due Diligence Vendor-11/07/2025 |
Resolved-Lender provided legible final CD. Condition cleared. - Due Diligence Vendor-11/11/2025 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/11/2025 |
Final unsigned CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6171482 | N/A | N/A | |||||
| 2471046 | XXXXXXX | XXXXXX | Closed | 2025-11-07 09:54 | 2025-11-07 09:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/07/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/07/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6171159 | Investor Post-Close | No | ||||||
| 9718453 | XXXXXXX | XXXXXX | Closed | 2025-11-15 10:34 | 2025-11-15 10:34 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/15/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/15/2025 |
AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6263751 | Investor Post-Close | No | ||||||
| 9107764 | XXXXXXX | XXXXXX | Closed | 2025-12-11 13:52 | 2025-12-17 11:04 | Resolved | 1 - Information | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received processor cert. Condition cleared. - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. Please find the attached processor cert. - Buyer-12/15/2025 Open-Guidelines dated 10/27/25, Section 4-2-4-1, require any credit report alerts to be reasonably resolved with supporting documentation in the loan file. The credit report dated 10/15/25 reflects a Consumer Fraud Victim statement. Documentation addressing alert missing from loan file. - Due Diligence Vendor-12/11/2025 |
Resolved-Received processor cert. Condition cleared. - Due Diligence Vendor-12/17/2025 |
Fraud Alert - Processor cert.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 6591184 | N/A | N/A | |||||
| 3427255 | XXXXXXX | XXXXXX | Closed | 2025-11-25 09:02 | 2025-11-25 09:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6381688 | Investor Post-Close | No | ||||||
| 7235772 | XXXXXXX | XXXXXX | Closed | 2026-02-20 11:46 | 2026-02-24 15:00 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find the attached October bank statement. - Buyer-02/23/2026 Open-Please provide October 2025 bank statements for both business accounts. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 |
Resolved-Received. - Due Diligence Vendor-02/24/2026 |
XX/XXXX Bank Statement.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 7725523 | N/A | N/A | |||||
| 7235772 | XXXXXXX | XXXXXX | Closed | 2026-02-20 11:29 | 2026-02-24 14:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find the attached October bank statement. - Buyer-02/23/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Please provide October 2025 bank statements for both business accounts. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/24/2026 |
XX/XXXX Bank Statement.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 7724893 | N/A | N/A | |||||
| 1877840 | XXXXXXX | XXXXXX | Closed | 2025-12-04 14:23 | 2026-01-08 16:02 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.98% exceeds Guideline DTI of 43% Lender exception in file for DTI of 50%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025 | Waived-Audited DTI of 49.98% exceeds Guideline DTI of 43% Lender exception in file for DTI of 50%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/04/2025 |
1) CLTV <5% below the Maximum Qualifying. 2) Credit Score >/= 10+ Points more than qualifying. |
CO | Primary Residence | Refinance | Cash Out - Other | 6491814 | Originator Pre-Close | Yes | |||||
| 1877840 | XXXXXXX | XXXXXX | Closed | 2026-01-08 15:27 | 2026-01-08 15:33 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for credit to be extended to 60 days before LQI needed. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/08/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for credit to be extended to 60 days before LQI needed. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/08/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) Credit Score >/= 10+ Points more than qualifying. |
CO | Primary Residence | Refinance | Cash Out - Other | 6993603 | Originator Pre-Close | Yes | |||||
| 4288557 | XXXXXXX | XXXXXX | Closed | 2025-12-12 07:42 | 2025-12-18 11:18 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received PCCD with XX/XX/XXXX funding date. Condition cleared. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. File is in PCCD queue and PCCD will be sent to the borrower as well. - Buyer-12/16/2025 Open-Received new HOI info with sufficient coverage. Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX. The funding date is XX/XX/XXXX. - Due Diligence Vendor-12/12/2025 |
Resolved-Received PCCD with XX/XX funding date. Condition cleared. - Due Diligence Vendor-12/18/2025 |
Closing Disclosure - XXXXXX.pdf Funding Worksheet - XXXXXX.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 6599460 | N/A | N/A | |||||
| 4288557 | XXXXXXX | XXXXXX | Closed | 2025-12-06 11:41 | 2025-12-12 07:42 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. We have HOI Policy in file with sufficient dwelling coverage which is valid from funding date. Find the attached document. - Buyer-12/10/2025 Open-The hazard insurance policy in file reflected dwelling coverage of $XX,XXX. The UPB of all mortgages, including the new 2nd lien, is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage. - Due Diligence Vendor-12/06/2025 |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-12/12/2025 |
HOI Policy.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 6518038 | N/A | N/A | |||||
| 2335480 | XXXXXXX | XXXXXX | Closed | 2025-11-26 16:13 | 2025-11-26 16:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-11/26/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-11/26/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6409388 | Investor Post-Close | No | ||||||
| 4522673 | XXXXXXX | XXXXXX | Closed | 2025-11-25 10:35 | 2025-12-17 10:03 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Condition cleared. - Due Diligence Vendor-12/17/2025 Ready for Review-3 Compensating factor is not required, 2 compensating factor are sufficient for exception. - Seller-12/11/2025 Counter-Received a lender exception with only 2 compensating factors listed. Provide a Lender exception with at least 3 compensating factors. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. PFA Exception form - Seller-12/05/2025 Counter-Please provide a formal underwriting exception. - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA revised 1008 with guideline used for this loan is XX/XX/XXXX which allows up to 45% DTI. - Buyer-12/01/2025 Open-Audited DTI of 43.86% exceeds Guideline DTI of 43% Audited DTI of 43.86% exceeds guideline max DTI of 43% for qualifying FICO. Additional conditions may apply. - Due Diligence Vendor-11/25/2025 |
Ready for Review-3 Compensating factor is not required, 2 compensating factor are sufficient for exception. - Seller-12/11/2025 Ready for Review-Document Uploaded. PFA Exception form - Seller-12/05/2025 |
Resolved-Condition cleared. - Due Diligence Vendor-12/17/2025 |
1008.pdf Exception form.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 6384673 | N/A | N/A | ||||
| 4522673 | XXXXXXX | XXXXXX | Closed | 2025-11-25 10:30 | 2025-12-02 13:56 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXXXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-12/02/2025 Ready for Review-Document Uploaded. PFA RCE for [redacted]state we have Checklist of coverage along with HOI policy - Seller-11/30/2025 Open-The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX.XX. The loan amount (subject property 1st lien UPB + new 2nd lien) is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage. Additional conditions may apply. - Due Diligence Vendor-11/25/2025 |
Ready for Review-Document Uploaded. PFA RCE for [redacted]state we have Checklist of coverage along with HOI policy - Seller-11/30/2025 |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-12/02/2025 |
RCE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6384582 | N/A | N/A | ||||
| 4522673 | XXXXXXX | XXXXXX | Closed | 2025-11-25 10:07 | 2025-11-25 10:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6382989 | Investor Post-Close | No | ||||||
| 3658725 | XXXXXXX | XXXXXX | Closed | 2026-02-12 04:37 | 2026-03-08 09:51 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7577277 | Investor Post-Close | No | ||||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 09:53 | 2026-05-14 07:40 | Cured | 1 - Information | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Cured-Employment for an extended period at the same job. Credit Score >/= 10+ Points more than qualifying. - Due Diligence Vendor-05/14/2026 Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/10/2026 |
Cured-Employment for an extended period at the same job. Credit Score >/= 10+ Points more than qualifying. - Due Diligence Vendor-05/14/2026 Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/10/2026 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. |
TX | Primary Residence | Refinance | Cash Out - Other | 7537365 | N/A | N/A | |||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 09:53 | 2026-05-14 07:39 | Cured | 1 - Information | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Cured-Employment for an extended period at the same job. Credit Score >/= 10+ Points more than qualifying. - Due Diligence Vendor-05/14/2026 Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/10/2026 |
Cured-Employment for an extended period at the same job. Credit Score >/= 10+ Points more than qualifying. - Due Diligence Vendor-05/14/2026 Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/10/2026 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. |
TX | Primary Residence | Refinance | Cash Out - Other | 7537364 | N/A | N/A | |||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 09:58 | 2026-05-12 11:17 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-02/11/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for both borrowers was completed 36 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-02/10/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/12/2026 |
VOE - XXXXXX.pdf VOE - XXXXXX.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7537602 | N/A | N/A | |||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2025-12-29 11:06 | 2026-02-24 15:09 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waiver received for DTI to 50. - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/23/2026 Counter-Loan was delivered to TPR with XX/XX/XXXX guidelines. Guideline selection cannot be updated by revising the 1008 post review. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please find attached final 1008 which reflect loan file was underwritten as per the guideline dated 10/24/2025. - Buyer-02/17/2026 Counter-Loan was presented for diligence with XX/XX/XXXX guidelines. - Due Diligence Vendor-02/12/2026 Ready for Review-Loan file was underwritten as per the underwriting guideline dated XX/XX/XXXX and as per the guideline CLTV till 80.00% with qualifying FICO 745, max allowable DTI is 45.00% and our loan file DTI is 44.678% hence no concern. - Seller-02/11/2026 Open-Audited DTI of 44.68% exceeds Guideline DTI of 43% The Audited DTI of 44.68% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Ready for Review-Loan file was underwritten as per the underwriting guideline dated 10/24/2025 and as per the guideline CLTV till 80.00% with qualifying FICO 745, max allowable DTI is 45.00% and our loan file DTI is 44.678% hence no concern. - Seller-02/11/2026 |
Waived-Waiver received for DTI to 50. - Due Diligence Vendor-02/24/2026 |
Exception Form.pdf | Employment for an extended period at the same job No derogatory events |
TX | Primary Residence | Refinance | Cash Out - Other | 6835858 | Originator Pre-Close | Yes | |||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 09:58 | 2026-02-12 09:35 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Acknowledged-Post close verification received. - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-02/11/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for b2 was completed 36 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-02/10/2026 |
Acknowledged-Post close verification received. - Due Diligence Vendor-02/12/2026 |
VOE - XXXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7537601 | N/A | N/A | |||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 09:58 | 2026-02-12 09:35 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Post close verification received. - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-02/11/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for borrower was completed 36 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-02/10/2026 |
Acknowledged-Post close verification received. - Due Diligence Vendor-02/12/2026 |
VOE - XXXXXX.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7537600 | Investor Post-Close | No | |||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 10:32 | 2026-02-10 10:32 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $50000 Lender exception in file for loan amount of $XX,XXX (less then minimum loan amount of $XX,XXX). Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/10/2026 | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $50000 Lender exception in file for loan amount of $XX,XXX (less then minimum loan amount of $XX,XXX). Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/10/2026 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. |
TX | Primary Residence | Refinance | Cash Out - Other | 7539231 | Originator Pre-Close | Yes | |||||
| 3872497 | XXXXXXX | XXXXXX | Closed | 2026-02-10 10:01 | 2026-02-10 10:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7537753 | Investor Post-Close | No | ||||||
| 1782969 | XXXXXXX | XXXXXX | Closed | 2026-02-12 13:28 | 2026-02-12 13:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7589473 | Investor Post-Close | No | ||||||
| 7669326 | XXXXXXX | XXXXXX | Closed | 2025-12-08 12:59 | 2025-12-08 12:59 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 6533368 | Investor Post-Close | No | ||||||
| 7951658 | XXXXXXX | XXXXXX | Closed | 2025-12-01 15:11 | 2025-12-01 15:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/01/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6435795 | Investor Post-Close | No | ||||||
| 1486357 | XXXXXXX | XXXXXX | Closed | 2025-12-01 07:47 | 2026-05-12 11:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/12/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Removed rental Income of $X,XXX & updated income as average of YTD income $XX,XXX.XX which is supported by recent increase in pay XX/XXXX. Please find the attached revised income calculation worksheet, 1003 & 1008. - Seller-12/10/2025 Counter-. - Due Diligence Vendor-12/04/2025 Open-Audit did not include the XXXXXXX property PITI in the DTI calculation. The issue is the unverified subject property rental income that was used ($XXXX per the 1008). The subject property rental income is not verified. - Due Diligence Vendor-12/04/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. As verified from LOE, no rental income has been considered from investment property XXXX XXXXXXX and no mortgage payment for this property is included in DTI as borrower is co signer only. Please find the attached document. - Buyer-12/02/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Audit reflects difference in net rental income per documents in the loan file. The originator used rental income to qualify the borrower; however, the borrower stated in the file that the rental income was not received. Therefore, we did not consider the rental income, which resulted in a difference in the DTI. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. Removed rental Income of $X,XXX & updated income as average of YTD income $XX,XXX.XX which is supported by recent increase in pay XX/XXXX. Please find the attached revised income calculation worksheet, 1003 & 1008. - Seller-12/10/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/12/2025 |
Debt paid by others.pdf 1003.pdf 1008.pdf XXXXXX - XXXXXX_Income-Worksheet.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6426573 | N/A | N/A | ||||
| 1486357 | XXXXXXX | XXXXXX | Closed | 2025-11-12 11:18 | 2025-12-12 08:42 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.75% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Removed rental Income of $X,XXX & updated income as average of YTD income $XX,XXX.XX which is supported by recent increase in pay XX/XXXX. Please find the attached revised income calculation worksheet, 1003 & 1008. - Buyer-12/10/2025 Counter-Audit did not include the XXXXXXX property PITI in the DTI calculation. The issue is the unverified subject property rental income that was used ($XXXX per the 1008). The subject property rental income is not verified. - Due Diligence Vendor-12/04/2025 Ready for Review-Document Uploaded. As verified from LOE, no rental income has been considered from investment property XXXX XXXXXXX and no mortgage payment for this property is included in DTI as borrower is co signer only. Please find the attached document. - Seller-12/02/2025 Open-Audited DTI of 55.46% exceeds Guideline DTI of 50% Audit reflects difference in net rental income per documents in the loan file. The originator used rental income to qualify the borrower; however, the borrower stated in the file that the rental income was not received. Therefore, we did not consider the rental income, which resulted in a difference in the DTI. Additional conditions may apply. - Due Diligence Vendor-11/12/2025 |
Ready for Review-Document Uploaded. As verified from LOE, no rental income has been considered from investment property XXXX XXXXXXX and no mortgage payment for this property is included in DTI as borrower is co signer only. Please find the attached document. - Seller-12/02/2025 |
Resolved-Audited DTI of 49.75% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/12/2025 |
Debt paid by others.pdf 1003.pdf 1008.pdf XXXXXX - XXXXXX_Income-Worksheet.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6225648 | N/A | N/A | ||||
| 3348378 | XXXXXXX | XXXXXX | Closed | 2025-12-16 10:00 | 2025-12-16 10:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/16/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/16/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6642909 | Investor Post-Close | No | ||||||
| 3818907 | XXXXXXX | XXXXXX | Closed | 2025-12-13 09:50 | 2025-12-18 11:00 | Resolved | 1 - Information | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received 1008 with updated value and LTV/CLTV using AVM that is dated within 30 days. Condition cleared. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/16/2025 Open-Lender guidelines require AVM to be dated no earlier than 30 days before the Note Date. AVM in file that was used for qualifying is dated 32 days prior to the Note Date. Additional conditions may apply. - Due Diligence Vendor-12/13/2025 |
Resolved-Received 1008 with updated value and LTV/CLTV using AVM that is dated within 30 days. Condition cleared. - Due Diligence Vendor-12/18/2025 |
1008.pdf 1008.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6614073 | N/A | N/A | |||||
| 3818907 | XXXXXXX | XXXXXX | Closed | 2025-12-13 09:43 | 2025-12-18 10:59 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-T&I are escrowed. Condition cleared. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. Insurance document for second home and Investment property listed in REO section 3b and 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/16/2025 Open-Please provide evidence of hazard insurance for second home (REO 3b) and investment property (REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/13/2025 |
Resolved-T&I are escrowed. Condition cleared. - Due Diligence Vendor-12/18/2025 |
XXXXX XXXXX XXXXXXXX XXXXXX - Mortgage statement.pdf XXXXX XXXXX XXXXXXXX XXXXXX - Mortgage statement and XXX doc.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6614068 | N/A | N/A | |||||
| 3818907 | XXXXXXX | XXXXXX | Closed | 2025-12-13 09:15 | 2025-12-18 10:58 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/18/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. Insurance document for second home and Investment property listed in REO section 3b and 3c is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/16/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of hazard insurance for second home (REO 3b) and investment property (REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/13/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/18/2025 |
XXXXX XXXXX XXXXXXXX XXXXXX - Mortgage statement and XXX doc.pdf XXXXX XXXXX XXXXXXXX XXXXXX - Mortgage statement.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6614014 | N/A | N/A | |||||
| 9772656 | XXXXXXX | XXXXXX | Closed | 2025-12-09 13:35 | 2026-05-12 11:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. VVOE document for both the borrowers are valid at the time of closing. - Buyer-12/10/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 11 business days prior to Note Date. VVOE in file for B2 is dated 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-12/10/2025 |
B1 VVOE.pdf B2 VVOE.pdf |
CO | Primary Residence | Refinance | Cash Out - Other | 6554467 | N/A | N/A | |||||
| 9772656 | XXXXXXX | XXXXXX | Closed | 2025-12-09 13:35 | 2025-12-10 15:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. VVOE is dated XX/XX/XXXX and it is valid till XX/XX/XXXX, Closing date XX/XX/XXXX. Hence VVOE was valid at the time of closing. - Buyer-12/10/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/10/2025 |
B1 VVOE.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6554465 | N/A | N/A | |||||
| 9772656 | XXXXXXX | XXXXXX | Closed | 2025-12-09 13:35 | 2025-12-10 15:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/10/2025 Ready for Review-Email received for confirmation of B2 employment is dated XX/XX/XXXX and this document is valid at the time of closing. - Buyer-12/10/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B2 is dated 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/10/2025 |
B2 VVOE.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6554466 | N/A | N/A | |||||
| 5541270 | XXXXXXX | XXXXXX | Closed | 2025-12-09 10:13 | 2025-12-26 11:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Sufficient documentation received. - Due Diligence Vendor-12/26/2025 Counter-Received 6 months bank statements showing deposits of $XXXX twice per month. The funds appear to be transferred from another account. Provide verification that the account ending in XXXX belongs to the ex-spouse. - Due Diligence Vendor-12/11/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/10/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require proof of receipt for 6 months for XXXXXXX and XXXXXX XXXXXXX income. Proof of receipt for 6 months is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |
Resolved-Sufficient documentation received. - Due Diligence Vendor-12/26/2025 |
XXXXXXX and XXXXXX XXXXXXX payment receipt.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 6548083 | N/A | N/A | |||||
| 5541270 | XXXXXXX | XXXXXX | Closed | 2025-12-09 10:45 | 2025-12-26 10:59 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Sufficient documentation provided. - Due Diligence Vendor-12/26/2025 Counter-Received 6 months bank statements showing deposits of $XXXX twice per month. The funds appear to be transferred from another account. Provide verification that the account ending in XXXX belongs to the ex-spouse. - Due Diligence Vendor-12/11/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/10/2025 Open-Lender guidelines require proof of receipt for 6 months for XXXXXXX and XXXXXX XXXXXXX income. Proof of receipt for 6 months is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-12/26/2025 |
XXXXXXX and XXXXXX XXXXXXX payment receipt.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 6550161 | N/A | N/A | |||||
| 5541270 | XXXXXXX | XXXXXX | Closed | 2025-12-09 10:20 | 2025-12-09 10:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/09/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/09/2025 |
NJ | Primary Residence | Refinance | Cash Out - Other | 6549065 | Investor Post-Close | No | ||||||
| 7427736 | XXXXXXX | XXXXXX | Closed | 2025-12-05 12:52 | 2025-12-05 12:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 6508119 | Investor Post-Close | No | ||||||
| 7968834 | XXXXXXX | XXXXXX | Closed | 2025-12-11 10:09 | 2025-12-11 10:24 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 650 is less than Guideline FICO of 660 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/11/2025 | Waived-Audited FICO of 650 is less than Guideline FICO of 660 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/11/2025 |
Employment for an extended period at the same job - Years = 10 36+ Months 0x30 housing payment history |
AZ | Primary Residence | Refinance | Cash Out - Other | 6584904 | Originator Pre-Close | Yes | |||||
| 1469428 | XXXXXXX | XXXXXX | Closed | 2025-12-12 14:08 | 2025-12-12 14:08 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/12/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/12/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6607906 | Investor Post-Close | No | ||||||
| 8509694 | XXXXXXX | XXXXXX | Closed | 2025-11-12 19:06 | 2025-11-13 07:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6231935 | Investor Post-Close | No | ||||||
| 8509694 | XXXXXXX | XXXXXX | Closed | 2025-11-13 07:52 | 2025-11-13 07:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/13/2025 |
MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6235931 | Investor Post-Close | No | ||||||
| 4236123 | XXXXXXX | XXXXXX | Closed | 2025-11-25 13:30 | 2025-11-25 13:31 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 |
FL | Primary Residence | Refinance | Cash Out - Other | 6387914 | Investor Post-Close | No | ||||||
| 8540426 | XXXXXXX | XXXXXX | Closed | 2025-11-26 09:44 | 2025-11-26 09:44 | Waived | 2 - Non-Material | Credit | Eligibility | Appraised Value is less than guideline minimum | Waived-Lender guidelines allow a minimum appraised value of $200,000, per the AVM, the subject As-Is Appraised Value is $XXX,XXX. Lender exception in file for value under $XXXX minimum requirement. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/26/2025 | Waived-Lender guidelines allow a minimum appraised value of $200,000, per the AVM, the subject As-Is Appraised Value is $XXX,XXX. Lender exception in file for value under $XXXX minimum requirement. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/26/2025 |
1) Total Debt 10% or more under requirement. 2) 36+ Months 0x30 housing payment history. |
PA | Primary Residence | Refinance | Cash Out - Other | 6400434 | Originator Pre-Close | Yes | |||||
| 8540426 | XXXXXXX | XXXXXX | Closed | 2025-11-26 09:25 | 2025-11-26 09:25 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 |
PA | Primary Residence | Refinance | Cash Out - Other | 6400035 | Investor Post-Close | No | ||||||
| 5138581 | XXXXXXX | XXXXXX | Closed | 2025-11-25 12:01 | 2025-11-25 12:01 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6386428 | Investor Post-Close | No | ||||||
| 5299679 | XXXXXXX | XXXXXX | Closed | 2025-11-26 10:20 | 2025-11-26 10:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 6401666 | Investor Post-Close | No | ||||||
| 7760467 | XXXXXXX | XXXXXX | Closed | 2025-12-08 15:10 | 2025-12-08 15:10 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6536366 | Investor Post-Close | No | ||||||
| 9663314 | XXXXXXX | XXXXXX | Closed | 2025-11-15 15:50 | 2025-12-02 16:02 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.5% exceeds Guideline DTI of 43% Lender exception in file for DTI > 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/15/2025 | Waived-Audited DTI of 46.5% exceeds Guideline DTI of 43% Lender exception in file for DTI > 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/15/2025 |
1) No derogatory events. 2) Reserves over two months of PITI. |
UT | Primary Residence | Purchase | NA | 6264200 | Originator Pre-Close | Yes | |||||
| 8652696 | XXXXXXX | XXXXXX | Closed | 2025-12-16 15:16 | 2025-12-18 18:43 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-. - Due Diligence Vendor-12/19/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. E-consent attached - Buyer-12/18/2025 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/16/2025 |
Resolved-. - Due Diligence Vendor-12/19/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/19/2025 |
XXXXXXXX e-consent.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6650634 | N/A | N/A | |||||
| 5022722 | XXXXXXX | XXXXXX | Closed | 2025-12-15 13:39 | 2026-01-07 16:01 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Borrower (Borrower 1) | Waived-A policy exception for POA for closing was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-01/06/2026 Open-Lender guidelines state borrowers using Power of Attorney on Cash-out transactions are ineligible. POA in file for borrower 1. Additional conditions may apply. - Due Diligence Vendor-12/15/2025 |
Waived-A policy exception for POA for closing was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/07/2026 |
exception form.pdf | 1) DTI <5% below the Maximum Qualifying. 2) Credit Score >/= 10+ Points more than qualifying. |
FL | Primary Residence | Refinance | Cash Out - Other | 6630485 | Investor Post-Close | No | ||||
| 7520627 | XXXXXXX | XXXXXX | Closed | 2025-12-08 10:31 | 2025-12-08 10:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6529665 | Investor Post-Close | No | ||||||
| 6167517 | XXXXXXX | XXXXXX | Closed | 2025-12-05 07:57 | 2025-12-05 07:58 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/05/2025 |
TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6501096 | Investor Post-Close | No | ||||||
| 6688661 | XXXXXXX | XXXXXX | Closed | 2026-01-20 13:25 | 2026-01-22 10:35 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/22/2026 Ready for Review-Document Uploaded. E-consent attached - Buyer-01/21/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/20/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/22/2026 |
XXXXXec.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7185773 | N/A | N/A | |||||
| 6688661 | XXXXXXX | XXXXXX | Closed | 2025-12-15 09:45 | 2026-01-20 13:42 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/15/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception to allow 10-day extension on credit before LQI required to accommodate closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/15/2025 |
1) DTI <5% below the Maximum Qualifying. 2) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 6623595 | Originator Pre-Close | Yes | |||||
| 1734135 | XXXXXXX | XXXXXX | Closed | 2025-12-26 08:55 | 2026-05-12 11:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-12/30/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lender guidelines require LQI report when credit report is dated more than 45 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/26/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/02/2026 |
exception form.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 6810627 | N/A | N/A | |||||
| 1734135 | XXXXXXX | XXXXXX | Closed | 2025-12-26 09:01 | 2026-01-02 09:23 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. E-consent attached - Seller-12/29/2025 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/26/2025 |
Ready for Review-Document Uploaded. E-consent attached - Seller-12/29/2025 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/02/2026 |
ec XXXX.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 6810726 | N/A | N/A | ||||
| 1734135 | XXXXXXX | XXXXXX | Closed | 2025-12-26 08:52 | 2026-01-02 09:20 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver received to extend credit report age. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-12/30/2025 Open-Borrower 1 Gap Credit Report is Missing Lender guidelines require LQI report when credit report is dated more than 45 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/26/2025 |
Waived-Waiver received to extend credit report age. - Due Diligence Vendor-01/02/2026 |
exception form.pdf | Employment for extended period Credit score >10 pts above qualifying 36 mo 0x30 housing history. |
MI | Primary Residence | Refinance | Cash Out - Other | 6810593 | Originator Pre-Close | Yes | ||||
| 1734135 | XXXXXXX | XXXXXX | Closed | 2025-12-26 09:01 | 2025-12-26 09:01 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |
MI | Primary Residence | Refinance | Cash Out - Other | 6810727 | Investor Post-Close | No | ||||||
| 7696917 | XXXXXXX | XXXXXX | Closed | 2025-12-13 07:30 | 2026-05-12 11:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. Insurance document for Investment property listed in REO section 3b is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/16/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of hazard insurance for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/13/2025 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/18/2025 |
XXX XXXX XXXXXX - Mortgage statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6613776 | N/A | N/A | |||||
| 7696917 | XXXXXXX | XXXXXX | Closed | 2025-12-13 07:48 | 2025-12-18 13:01 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Condition cleared. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. Insurance document for Investment property listed in REO section 3b is not required as taxes and insurance are already escrowed in monthly mortgage payment. - Buyer-12/16/2025 Open-Please provide evidence of hazard insurance for investment property (REO 3b) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-12/13/2025 |
Resolved-Condition cleared. - Due Diligence Vendor-12/18/2025 |
XXX XXXX XXXXXX - Mortgage statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6613819 | N/A | N/A | |||||
| 2874763 | XXXXXXX | XXXXXX | Closed | 2025-11-29 12:21 | 2025-12-18 18:37 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-. - Due Diligence Vendor-12/19/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. E-consent attached. - Buyer-12/18/2025 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-11/29/2025 |
Resolved-. - Due Diligence Vendor-12/19/2025 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-12/19/2025 |
XXXXXXX e-consent.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6422174 | N/A | N/A | |||||
| 4254873 | XXXXXXX | XXXXXX | Closed | 2026-01-07 08:09 | 2026-05-12 11:07 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/13/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Borrower’s verification of business is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/15/2026 |
FRANCHISE TAX ACCOUNT STATUS.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6957117 | N/A | N/A | |||||
| 4254873 | XXXXXXX | XXXXXX | Closed | 2026-01-07 08:09 | 2026-01-15 09:03 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Borrower’s verification of business is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/15/2026 |
FRANCHISE TAX ACCOUNT STATUS.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6957116 | N/A | N/A | |||||
| 4254873 | XXXXXXX | XXXXXX | Closed | 2025-12-04 07:02 | 2026-01-07 08:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6480694 | Investor Post-Close | No | ||||||
| 4254873 | XXXXXXX | XXXXXX | Closed | 2026-01-07 08:12 | 2026-01-07 08:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 6957173 | Investor Post-Close | No | ||||||
| 8198073 | XXXXXXX | XXXXXX | Closed | 2025-12-23 11:53 | 2026-01-07 16:13 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-A policy exception for DTI to go to 45% was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/07/2026 Waived-Audited DTI of 44.35% exceeds Guideline DTI of 43% A policy exception for DTI to go to 45% was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-01/06/2026 Counter-Please provide a formal credit exception to update guidelines. A revised 1008 is insufficient. - Due Diligence Vendor-01/02/2026 Ready for Review-Document Uploaded. PFA Revised 1008 as using 10/24/2025 Guideline as per Initial application dated 10/24/2025. - Buyer-12/29/2025 Open-Audited DTI of 44.35% exceeds Guideline DTI of 43% Audited DTI (44.35%) exceeds Guideline DTI (43%). Additional conditions may apply - Due Diligence Vendor-12/23/2025 |
Waived-A policy exception for DTI to go to 45% was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/07/2026 Waived-Audited DTI of 44.35% exceeds Guideline DTI of 43% A policy exception for DTI to go to 45% was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/07/2026 |
Revised 1008.pdf exception form.pdf |
1) Credit Score >/= 10+ Points more than qualifying. 2) 36 Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 6764194 | Investor Post-Close | No | ||||
| 6501779 | XXXXXXX | XXXXXX | Closed | 2025-12-16 11:29 | 2025-12-18 13:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Trust Documentation | Resolved-Received Trust docs. Condition cleared. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/17/2025 Open-Missing Trust Documentation Lender guidelines require Trust Certificate (valid for 12 months prior to the Note Date) to be in the loan file. Trust Documentation is missing. Additional conditions may apply. - Due Diligence Vendor-12/16/2025 |
Resolved-Received Trust docs. Condition cleared. - Due Diligence Vendor-12/18/2025 |
Trust Agreement.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 6645801 | N/A | N/A | |||||
| 6501779 | XXXXXXX | XXXXXX | Seller | 2025-12-01 09:16 | 2026-05-14 07:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Open-Event level changed to 2 - Due Diligence Vendor-05/14/2026 Waived-Exception form received. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/13/2026 Open-Viable evidence of pricing adjustment required. - Due Diligence Vendor-01/08/2026 Resolved-Pricing information provided. Condition cleared. - Due Diligence Vendor-12/22/2025 Resolved-Audited DTI of 49.69% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. Please find the attached Rate lock and Pricing. This is Heloan and using interest rate 8.375% per Buyup 2 and adjusted rate per attached matrix is 8.875%. - Buyer-12/19/2025 Counter-The guidelines state that the pricing adjustment must be documented in the loan file and reflected in the final rate lock. The file is missing documentation and the rate lock in file is missing pricing adjustment information. Condition remains. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. No exception is required for CLTV or DTI, interest rate has been adjusted as per "DTI Exception Calculator" matrix. - Seller-12/17/2025 Open-Audited DTI of 49.69% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-12/01/2025 |
Ready for Review-Document Uploaded. Please find the attached exception form. - Seller-01/13/2026 Ready for Review-Document Uploaded. No exception is required for CLTV or DTI, interest rate has been adjusted as per "DTI Exception Calculator" matrix. - Seller-12/17/2025 |
Waived-Exception form received. - Due Diligence Vendor-01/15/2026 Resolved-Pricing information provided. Condition cleared. - Due Diligence Vendor-12/22/2025 Resolved-Audited DTI of 49.69% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/22/2025 |
Screenshot_DTI Pricing Adjustment 2.png Screenshot_DTI Pricing Adjustment 1.png Rate Lock.pdf Pricing.pdf Pricing.pdf exception form.pdf |
36+ mo 0x30 housing payment history No derogatory events |
NC | Primary Residence | Refinance | Cash Out - Other | 6428059 | Originator Post-Close | No | |||
| 6959947 | XXXXXXX | XXXXXX | Closed | 2026-03-02 11:57 | 2026-03-09 12:56 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Waiver to extend credit expiration date - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-03/03/2026 Open-Borrower 2 Gap Credit Report is Missing Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 60 days from the Note Date. Credit Report in file is dated 61 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/02/2026 |
Waived-Waiver to extend credit expiration date - Due Diligence Vendor-03/09/2026 |
Exception Form.pdf | Employment for an extended period at the same job 36+mo 0x30 housing payment history |
PA | Primary Residence | Refinance | Cash Out - Other | 7876901 | Originator Pre-Close | Yes | ||||
| 6959947 | XXXXXXX | XXXXXX | Closed | 2026-03-02 11:57 | 2026-03-09 12:56 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver to extend credit expiration. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-03/03/2026 Open-Borrower 1 Gap Credit Report is Missing Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 60 days from the Note Date. Credit Report in file is dated 61 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/02/2026 |
Waived-Waiver to extend credit expiration. - Due Diligence Vendor-03/09/2026 |
Exception Form.pdf | Employment for an extended period at the same job 36+mo 0x30 housing payment history |
PA | Primary Residence | Refinance | Cash Out - Other | 7876900 | Originator Pre-Close | Yes | ||||
| 2742841 | XXXXXXX | XXXXXX | Closed | 2026-01-06 07:42 | 2026-01-06 07:42 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 6931592 | Investor Post-Close | No | ||||||
| 9276457 | XXXXXXX | XXXXXX | Closed | 2025-11-20 08:43 | 2025-12-12 12:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Pension, Retirement, Disability (Borrower) | Resolved-Received VA income verif docs. Condition cleared. - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower1's other retirement, pension, disability type of income in file. Lender guidelines require Award letter or VA certificate of eligibility to document VA Benefits income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/20/2025 |
Resolved-Received VA income verif docs. Condition cleared. - Due Diligence Vendor-12/12/2025 |
VA Income document.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6320022 | N/A | N/A | |||||
| 9276457 | XXXXXXX | XXXXXX | Closed | 2025-12-10 08:46 | 2025-12-12 12:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/12/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require Award letter or VA certificate of eligibility to document VA Benefits income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/12/2025 |
VA Income document.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6564890 | N/A | N/A | |||||
| 9276457 | XXXXXXX | XXXXXX | Closed | 2025-12-10 08:48 | 2025-12-10 08:48 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 |
CO | Primary Residence | Refinance | Cash Out - Other | 6564923 | Investor Post-Close | No | ||||||
| 3031037 | XXXXXXX | XXXXXX | Closed | 2025-11-20 15:23 | 2025-12-14 17:37 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/14/2025 Ready for Review-Document Uploaded. Please find the revised 1008 with guidelines date 10/27/25. Loan was closed as per guidelines dated 10/27/25. - Buyer-12/12/2025 Counter-Guidelines state "BF may make exceptions for DTIs above 43%. However, it will also be coupled with a pricing adjustment". The pricing adjustment info has been provided. A Lender exception is missing. Provide a lender exception with at least 3 compensating factors. - Due Diligence Vendor-12/11/2025 Ready for Review-Document Uploaded. No exception is required for CLTV or DTI, interest rate has been adjusted as per "DTI Exception Calculator" matrix. - Buyer-12/10/2025 Open-Audited DTI of 48.67% exceeds Guideline DTI of 43%. Lender exception not in file. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |
Resolved-Audited DTI of 48.67% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/14/2025 |
Screenshot_DTI Pricing Adjustment 2.png Screenshot_DTI Pricing Adjustment 2.png 1008.pdf |
OR | Primary Residence | Refinance | Cash Out - Other | 6332603 | N/A | N/A | |||||
| 3031037 | XXXXXXX | XXXXXX | Closed | 2025-11-19 13:01 | 2025-12-09 11:53 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is before the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/19/2025 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is before the Disbursement Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/19/2025 |
OR | Primary Residence | Refinance | Cash Out - Other | 6309233 | Investor Post-Close | No | ||||||
| 1202651 | XXXXXXX | XXXXXX | Closed | 2025-12-19 07:58 | 2025-12-19 07:58 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/19/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/19/2025 |
NJ | Primary Residence | Refinance | Cash Out - Other | 6702583 | Investor Post-Close | No | ||||||
| 1202651 | XXXXXXX | XXXXXX | Closed | 2025-12-19 07:52 | 2025-12-19 07:53 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for credit extension. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file for credit extension. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. 3) 36+ Months 0x30 housing payment history. |
NJ | Primary Residence | Refinance | Cash Out - Other | 6702481 | Originator Pre-Close | Yes | |||||
| 1202651 | XXXXXXX | XXXXXX | Closed | 2025-12-19 07:52 | 2025-12-19 07:53 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for credit extension. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file for credit extension. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. 3) 36+ Months 0x30 housing payment history. |
NJ | Primary Residence | Refinance | Cash Out - Other | 6702482 | Originator Pre-Close | Yes | |||||
| 7124447 | XXXXXXX | XXXXXX | Closed | 2026-01-07 09:54 | 2026-05-12 11:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Email confirmation from HR dated XX/XX/XXXX is already provided in file. - Buyer-01/09/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 13 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/12/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6960438 | N/A | N/A | |||||
| 7124447 | XXXXXXX | XXXXXX | Closed | 2025-12-04 10:01 | 2026-01-12 14:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. Email confirmation from HR dated XX/XX/XXXX is already provided in file. - Buyer-01/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 13 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/12/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6484183 | N/A | N/A | |||||
| 4602327 | XXXXXXX | XXXXXX | Closed | 2026-02-09 14:17 | 2026-03-03 08:11 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-A policy exception to allow 5-day extension on credit before LQI required to accommodate closing was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-03/03/2026 Ready for Review-Please find the attached exception form. - Seller-02/27/2026 Open-Borrower 1 Gap Credit Report is Missing Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 45 days from the Note Date. Credit Report in file is dated 46 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/09/2026 |
Ready for Review-Please find the attached exception form. - Seller-02/27/2026 |
Waived-A policy exception to allow 5-day extension on credit before LQI required to accommodate closing was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-03/03/2026 |
Exception Form.pdf | 1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
FL | Primary Residence | Refinance | Cash Out - Other | 7523216 | Originator Pre-Close | Yes | |||
| 4602327 | XXXXXXX | XXXXXX | Closed | 2025-12-26 10:06 | 2026-02-12 08:47 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please see attached Final SS. Disbursement date is XX/XX/XXXX, not XX/XX/XXXX. Please waive the condition. Unsigned ALTA with XX/XX/XXXX was provided along the docs. Invalid condition - Seller-02/11/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary). Additional conditions may apply. - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Ready for Review-Document Uploaded. Please see attached Final SS. Disbursement date is XX/XX/XXXX, not XX/XX/XXXX. Please waive the condition. Unsigned ALTA with XX/XX/XXXX was provided along the docs. Invalid condition - Seller-02/11/2026 |
Resolved-Resolved - Due Diligence Vendor-02/12/2026 |
Final SS.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 6812022 | N/A | N/A | ||||
| 3454063 | XXXXXXX | XXXXXX | Closed | 2026-01-09 13:13 | 2026-05-12 11:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/13/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. Please find the attached revised VVOE. - Buyer-01/12/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 15 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/09/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/13/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/13/2026 |
VVOE.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 7012950 | N/A | N/A | |||||
| 3454063 | XXXXXXX | XXXXXX | Closed | 2026-01-09 13:13 | 2026-01-13 16:24 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/13/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. Please find the attached revised VVOE. - Buyer-01/12/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 15 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/09/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-01/13/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/13/2026 |
VVOE.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 7012949 | N/A | N/A | |||||
| 3454063 | XXXXXXX | XXXXXX | Closed | 2026-01-09 13:15 | 2026-01-13 16:21 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received E-Consent Documentation for borrower. Condition status changed to Resolved. - Due Diligence Vendor-01/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. E-consent attached - Seller-01/12/2026 Open-E-Consent documentation is missing for borrower(s). E Consent Documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/09/2026 |
Ready for Review-Document Uploaded. E-consent attached - Seller-01/12/2026 |
Resolved-Received E-Consent Documentation for borrower. Condition status changed to Resolved. - Due Diligence Vendor-01/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/13/2026 |
XXXX EC.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 7012985 | N/A | N/A | ||||
| 3454063 | XXXXXXX | XXXXXX | Closed | 2026-01-09 13:42 | 2026-01-09 13:42 | Waived | 2 - Non-Material | Compliance | Disclosure | HPML: Appraisal Interior Inspection not documented | Waived-HPML: Appraisal Interior Inspection not documented. Appraisal Type in file does not include interior inspection. Lender exception in file for no appraisal (including interior inspection) with HPML fail. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/09/2026 | Waived-HPML: Appraisal Interior Inspection not documented. Appraisal Type in file does not include interior inspection. Lender exception in file for no appraisal (including interior inspection) with HPML fail. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/09/2026 |
1) Employment for an extended period at the same job. 2) Income not used to qualify. |
NC | Primary Residence | Refinance | Cash Out - Other | 7013593 | Originator Pre-Close | Yes | |||||
| 3454063 | XXXXXXX | XXXXXX | Closed | 2026-01-09 13:15 | 2026-01-09 13:16 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |
NC | Primary Residence | Refinance | Cash Out - Other | 7012986 | Investor Post-Close | No | ||||||
| 3863197 | XXXXXXX | XXXXXX | Closed | 2025-11-19 13:05 | 2025-12-18 18:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-. - Due Diligence Vendor-12/19/2025 Resolved-Received proof of receipt. Condition cleared. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Borrower viewed the ICD on XX/XX/XXXX which is 3 business days before the closing date. - Buyer-12/18/2025 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) Initial CD reflects Date Issued of XX/XX/XXXX. Borrower acknowledged receipt of initial C.D. on XX/XX/XXXX which is less than 3 business days prior to consummation. No Cure. Note: Veteran's Day was on 11/11/2025 and was not included. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-. - Due Diligence Vendor-12/19/2025 Resolved-Received proof of receipt. Condition cleared. - Due Diligence Vendor-12/19/2025 |
XXXXXX audit trail.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 6309315 | N/A | N/A | |||||
| 6710104 | XXXXXXX | XXXXXX | Closed | 2026-02-09 11:04 | 2026-02-26 16:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received documentation from regulatory agency, dated after closing, that confirms borrower’s business is active. Condition status changed to Resolved. - Due Diligence Vendor-02/26/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/26/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. This loan is bank statement(alt Doc) loan, which does not require verification of self-employment. UW has used Fixed Income Expense Ratio and considered expense ratio of 50%. CPA letter not require in this case. Please find attached income worksheet and also find attached VVOE. - Buyer-02/26/2026 Counter-Documentation is not dated. - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please find attached document, - Buyer-02/11/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. CPA letter in file is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/09/2026 |
Resolved-Received documentation from regulatory agency, dated after closing, that confirms borrower’s business is active. Condition status changed to Resolved. - Due Diligence Vendor-02/26/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/26/2026 |
Income Calculation.pdf VVOE-Bussiness.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 7518624 | N/A | N/A | |||||
| 6710104 | XXXXXXX | XXXXXX | Closed | 2026-02-09 11:04 | 2026-02-26 16:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/26/2026 Ready for Review-Received documentation from regulatory agency, dated after closing, that confirms borrower’s business is active. Condition status changed to Resolved. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. This loan is bank statement(alt Doc) loan, which does not require verification of self-employment. UW has used Fixed Income Expense Ratio and considered expense ratio of 50%. CPA letter not require in this case. We also have bank dated 10/31/2025 which is within 60 days of note date which can validate existence of business. Please find attached income worksheet and also find attached VVOE. - Buyer-02/26/2026 Ready for Review-Document Uploaded. This loan is bank statement(alt Doc) loan, which does not require verification of self-employment. UW has used Fixed Income Expense Ratio and considered expense ratio of 50%. CPA letter not require in this case. Please find attached income worksheet and also find attached VVOE. - Buyer-02/26/2026 Counter-Documentation is not dated. - Due Diligence Vendor-02/12/2026 Ready for Review-Document Uploaded. Please find attached document, - Buyer-02/11/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. CPA letter in file is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/09/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/26/2026 |
Income Calculation.pdf VVOE-Bussiness.pdf Bank Statement.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 7518623 | N/A | N/A | |||||
| 7217718 | XXXXXXX | XXXXXX | Closed | 2025-12-04 07:55 | 2026-05-12 10:58 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/10/2025 Ready for Review-Difference in avg of YTD income and annual base pay rate is within 15%, hence we would not require the pay stub to confirm the pay. - Buyer-12/09/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower paystubs are missing in loan file, hence unable to determine pay rate or increase in pay. As per TWN annual pay is increased hence need paystubs to confirm pay. YTD pay does not support. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/10/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6481374 | N/A | N/A | ||||||
| 7217718 | XXXXXXX | XXXXXX | Closed | 2025-11-19 09:51 | 2025-12-10 13:27 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/10/2025 Ready for Review-Difference in avg of YTD income and annual base pay rate is within 15%, hence we would not require the pay stub to confirm the pay. - Buyer-12/09/2025 Open-Borrower 1 Paystubs Missing Borrower paystubs are missing in loan file, hence unable to determine pay rate or increase in pay. As per TWN annual pay is increased hence need paystubs to confirm pay. YTD pay does not support. Additional conditions may apply. - Due Diligence Vendor-11/19/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/10/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 6304826 | N/A | N/A | ||||||
| 2584376 | XXXXXXX | XXXXXX | Closed | 2026-01-28 15:38 | 2026-01-28 15:38 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend prequal now credit report expiration to 60 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/28/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend prequal now credit report expiration to 60 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/28/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 7339537 | Originator Pre-Close | Yes | |||||
| 9266085 | XXXXXXX | XXXXXX | Closed | 2025-12-12 11:34 | 2025-12-12 11:34 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/12/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/12/2025 |
NC | Primary Residence | Refinance | Cash Out - Other | 6604695 | Investor Post-Close | No | ||||||
| 1969543 | XXXXXXX | XXXXXX | Closed | 2025-12-08 13:56 | 2025-12-08 13:56 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/08/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6534738 | Investor Post-Close | No | ||||||
| 8276874 | XXXXXXX | XXXXXX | Closed | 2025-11-20 13:41 | 2025-12-12 13:18 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-Appraisal or other primary valuation product is missing Lender guidelines require two AVMs for loan amounts between $250,000.01 and $400,000. Both AVMs are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-11/20/2025 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-12/12/2025 |
AVM 1.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 6330536 | N/A | N/A | |||||
| 8276874 | XXXXXXX | XXXXXX | Closed | 2025-12-10 10:15 | 2025-12-12 13:18 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-12/11/2025 Open-A valid secondary valuation supporting the origination appraisal value is not present. Lender guidelines require two AVMs for loan amounts between $250,000.01 and $400,000. Both AVMs are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/12/2025 |
AVM 2.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 6567176 | N/A | N/A | |||||
| 8276874 | XXXXXXX | XXXXXX | Closed | 2025-12-10 10:28 | 2025-12-10 10:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 78.1% exceeds Guideline HCLTV of 75% Lender exception in file to do a loan over 75% CLTV without an appraisal. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/10/2025 | Waived-Audited HLTV of 78.1% exceeds Guideline HCLTV of 75% Lender exception in file to do a loan over 75% CLTV without an appraisal. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/10/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
UT | Primary Residence | Refinance | Cash Out - Other | 6567576 | Originator Pre-Close | Yes | |||||
| 8276874 | XXXXXXX | XXXXXX | Closed | 2025-12-10 10:23 | 2025-12-10 10:23 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender exception in file to do a loan over 75% CLTV without an appraisal. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/10/2025 | Waived-Lender exception in file to do a loan over 75% CLTV without an appraisal. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/10/2025 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
UT | Primary Residence | Refinance | Cash Out - Other | 6567339 | Originator Pre-Close | Yes | |||||
| 8276874 | XXXXXXX | XXXXXX | Closed | 2025-12-10 09:56 | 2025-12-10 09:57 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2025 |
UT | Primary Residence | Refinance | Cash Out - Other | 6566586 | Investor Post-Close | No | ||||||
| 1207727 | XXXXXXX | XXXXXX | Closed | 2025-12-04 16:12 | 2025-12-04 16:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/04/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6493808 | Investor Post-Close | No | ||||||
| 1876602 | XXXXXXX | XXXXXX | Closed | 2026-01-12 15:41 | 2026-02-27 14:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 44.59% exceeds Guideline DTI of 43% A policy exception to allow DTI up to 50% was provided post-closing. Lender provided approved exception dated same day as consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. As per guideline 4-4-4: Loans exceeding the standard DTI threshold of 43% remain eligible up to a maximum DTI of 50%, subject to a documented DTI pricing adjustment. Please find the attached Rate lock and Pricing. This is HELOAN and using interest rate 8.500% per Default option and adjusted rate per attached matrix is 8.875% which is used to qualify. - Buyer-02/26/2026 Open-Audited DTI of 44.59% exceeds Guideline DTI of 43% The Audited DTI of 44.59% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Waived-Audited DTI of 44.59% exceeds Guideline DTI of 43% A policy exception to allow DTI up to 50% was provided post-closing. Lender provided approved exception dated same day as consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-02/27/2026 |
Product and Pricing Document.pdf Exception Form.pdf Guideline.pdf |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 7050530 | Investor Post-Close | No | ||||
| 1876602 | XXXXXXX | XXXXXX | Closed | 2026-02-25 12:08 | 2026-02-27 14:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received E-Consent documentation for borrower. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/27/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/25/2026 |
Resolved-Received E-Consent documentation for borrower. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/27/2026 |
XXXXXXXXX EC.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7804386 | N/A | N/A | |||||
| 7176901 | XXXXXXX | XXXXXX | Closed | 2026-01-06 11:55 | 2026-01-09 08:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-A policy exception for use of two AVMs at 85% CLTV was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/09/2026 Open-Audited HLTV of 84.99% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/08/2026 Open-Audited HLTV of 84.99% exceeds Guideline HCLTV of 75% Per lender guidelines, maximum HLTV is 75% for loan amounts of $250,000.01 to $400,000 and two AVMs are obtained. Additional conditions may apply. - Due Diligence Vendor-01/06/2026 |
Waived-A policy exception for use of two AVMs at 85% CLTV was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/09/2026 |
Exception approval and form.pdf | 1) Employment for an extended period at the same job. 2) 36 Months 0x30 housing payment history. 3) No derogatory events. |
AZ | Primary Residence | Refinance | Cash Out - Other | 6939406 | Originator Pre-Close | Yes | ||||
| 7176901 | XXXXXXX | XXXXXX | Closed | 2026-01-06 11:55 | 2026-01-09 08:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-A policy exception for use of two AVMs at 85% CLTV was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/09/2026 Open-Audited CLTV of 84.99% exceeds Guideline CLTV of 75% - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/08/2026 Open-Audited CLTV of 84.99% exceeds Guideline CLTV of 75% Per lender guidelines, maximum CLTV is 75% for loan amounts of $250,000.01 to $400,000 and two AVMs are obtained. Additional conditions may apply. - Due Diligence Vendor-01/06/2026 |
Waived-A policy exception for use of two AVMs at 85% CLTV was provided post-closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-01/09/2026 |
Exception approval and form.pdf | 1) Employment for an extended period at the same job. 2) 36 Months 0x30 housing payment history. 3) No derogatory events. |
AZ | Primary Residence | Refinance | Cash Out - Other | 6939405 | Originator Pre-Close | Yes | ||||
| 7317408 | XXXXXXX | XXXXXX | Closed | 2025-12-19 08:45 | 2025-12-19 08:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/19/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/19/2025 |
MD | Primary Residence | Refinance | Cash Out - Other | 6703576 | Investor Post-Close | No | ||||||
| 5061887 | XXXXXXX | XXXXXX | Closed | 2025-12-22 08:54 | 2025-12-31 08:15 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Finding is non-material. privacy policy still provided. - Due Diligence Vendor-12/29/2025 Ready for Review-Privacy Policy was uploaded. Please clear this condition. - Buyer-12/29/2025 Ready for Review-Privacy Policy - Buyer-12/23/2025 Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-12/22/2025 |
Resolved-Finding is non-material. privacy policy still provided. - Due Diligence Vendor-12/29/2025 Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-12/22/2025 |
XXXXXX_XXXX-XXXXXXXX_Privacy Policy.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6733180 | N/A | N/A | |||||
| 3978983 | XXXXXXX | XXXXXX | Closed | 2025-12-31 11:51 | 2025-12-31 11:51 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/31/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/31/2025 |
TX | Primary Residence | Refinance | Cash Out - Other | 6877499 | Investor Post-Close | No | ||||||
| 1674043 | XXXXXXX | XXXXXX | Closed | 2025-12-26 11:08 | 2025-12-26 11:08 | Waived | 2 - Non-Material | Property | Appraisal | Valuation product is deficient | Waived-Lender guidelines require a minimum property value of $200,000. Lender exception in file for value under $XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/26/2025 | Waived-Lender guidelines require a minimum property value of $200,000. Lender exception in file for value under $XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/26/2025 |
1) 36+ Months 0x30 housing payment history 2) Minimal / No revolving debts. |
AZ | Primary Residence | Refinance | Cash Out - Other | 6815153 | Originator Pre-Close | Yes | |||||
| 6141993 | XXXXXXX | XXXXXX | Closed | 2026-02-02 10:38 | 2026-02-05 09:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Narrative received - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-02/03/2026 Open-Lender guidelines require a comprehensive business narrative for bank statement loans. Business narrative is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/02/2026 |
Resolved-Narrative received - Due Diligence Vendor-02/05/2026 |
Business narrative.pdf | IL | Primary Residence | Refinance | Cash Out - Other | 7400227 | N/A | N/A | |||||
| 3087554 | XXXXXXX | XXXXXX | Closed | 2026-02-18 15:13 | 2026-02-24 14:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/23/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 45 days from the Note Date. Credit Report in file is dated 48 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/24/2026 |
Exception Form.pdf | CA | Primary Residence | Purchase | NA | 7685168 | N/A | N/A | |||||
| 3087554 | XXXXXXX | XXXXXX | Closed | 2026-02-18 15:11 | 2026-02-24 14:46 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Waiver to allow credit report age/no LQI - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/23/2026 Open-Borrower 1 Gap Credit Report is Missing Per lender guidelines, LQI report is necessary when the lender uses a credit report that is older than 45 days from the Note Date. Credit Report in file is dated 48 days prior to Note Date. LQI report is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |
Waived-Waiver to allow credit report age/no LQI - Due Diligence Vendor-02/24/2026 |
Exception Form.pdf | Minimal debt No derogatory events |
CA | Primary Residence | Purchase | NA | 7685140 | Originator Pre-Close | Yes | ||||
| 9356284 | XXXXXXX | XXXXXX | Closed | 2026-01-26 11:31 | 2026-01-26 11:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
PA | Primary Residence | Refinance | Cash Out - Other | 7299196 | Investor Post-Close | No | ||||||
| 9405120 | XXXXXXX | XXXXXX | Closed | 2025-12-16 11:55 | 2025-12-18 19:07 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Please find the attached exception Form. - Buyer-12/18/2025 Open-Borrower 2 Gap Credit Report is Missing Guidelines dated 10/27/2025, Section 4-2-4-17 require a Credit Refresh (LQI) when the credit report is older than 45 days from the note date. The credit report in file is dated XX/XX/XXXX which is 87 days from the note date. LQI missing from loan file. - Due Diligence Vendor-12/16/2025 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
Exception Form.pdf | CLTV 5% below the Maximum qualifying 36+ months 0x30 housing payment history No derogatory events |
AZ | Primary Residence | Refinance | Cash Out - Other | 6646511 | Originator Pre-Close | Yes | ||||
| 9405120 | XXXXXXX | XXXXXX | Closed | 2025-12-16 11:55 | 2025-12-18 19:07 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Please find the attached exception Form. - Buyer-12/18/2025 Open-Borrower 1 Gap Credit Report is Missing Guidelines dated 10/27/2025, Section 4-2-4-17 require a Credit Refresh (LQI) when the credit report is older than 45 days from the note date. The credit report in file is dated XX/XX/XXXX which is 87 days from the note date. LQI missing from loan file. - Due Diligence Vendor-12/16/2025 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-12/19/2025 |
Exception Form.pdf | CLTV 5% below the Maximum qualifying 36+ months 0x30 housing payment history No derogatory events |
AZ | Primary Residence | Refinance | Cash Out - Other | 6646510 | Originator Pre-Close | Yes | ||||
| 8932682 | XXXXXXX | XXXXXX | Closed | 2026-01-19 11:33 | 2026-01-19 11:33 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/19/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/19/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7167055 | Investor Post-Close | No | ||||||
| 2443021 | XXXXXXX | XXXXXX | Closed | 2026-01-29 13:18 | 2026-01-29 13:18 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7357316 | Investor Post-Close | No | ||||||
| 1926629 | XXXXXXX | XXXXXX | Closed | 2025-12-29 15:09 | 2026-01-05 08:30 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/05/2026 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX provided in file is valid till XX/XX/XXXX. Hence VVOE is within 10 business days of Date. - Buyer-12/30/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/05/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 6840902 | N/A | N/A | ||||||
| 1926629 | XXXXXXX | XXXXXX | Closed | 2025-12-29 15:09 | 2026-01-05 08:29 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/05/2026 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX provided in file is valid till XX/XX/XXXX. Hence VVOE is within 10 business days of Date. - Buyer-12/30/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/05/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 6840901 | N/A | N/A | ||||||
| 1926629 | XXXXXXX | XXXXXX | Closed | 2025-12-29 15:14 | 2025-12-29 15:14 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/29/2025 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/29/2025 |
NJ | Primary Residence | Refinance | Cash Out - Other | 6840955 | Investor Post-Close | No | ||||||
| 5203457 | XXXXXXX | XXXXXX | Closed | 2026-02-03 08:07 | 2026-02-03 08:08 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/03/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/03/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7414498 | Investor Post-Close | No | ||||||
| 2798936 | XXXXXXX | XXXXXX | Closed | 2026-02-06 09:56 | 2026-02-10 13:47 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please find the attached document - Buyer-02/09/2026 Open-Lender guidelines require verification of source for Asset Depletion income. Please provide the origin of the assets, such as a distribution letter from an employer for severance packages or retirement distributions. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Resolved-Received - Due Diligence Vendor-02/10/2026 |
asset.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 7489467 | N/A | N/A | |||||
| 2798936 | XXXXXXX | XXXXXX | Closed | 2026-02-06 09:37 | 2026-02-10 13:46 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please find the attached document - Buyer-02/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require verification of source for Asset Depletion income. Please provide the origin of the assets, such as a distribution letter from an employer for severance packages or retirement distributions. Additional conditions may apply. - Due Diligence Vendor-02/06/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/10/2026 |
asset.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 7488993 | N/A | N/A | |||||
| 6898371 | XXXXXXX | XXXXXX | Closed | 2026-01-22 15:40 | 2026-01-22 15:40 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7254556 | Investor Post-Close | No | ||||||
| 7755156 | XXXXXXX | XXXXXX | Closed | 2026-01-12 07:49 | 2026-01-12 07:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7034539 | Investor Post-Close | No | ||||||
| 9767307 | XXXXXXX | XXXXXX | Closed | 2026-01-20 10:02 | 2026-01-20 10:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7180065 | Investor Post-Close | No | ||||||
| 1617320 | XXXXXXX | XXXXXX | Closed | 2025-12-31 11:00 | 2026-01-07 14:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Trust Documentation | Resolved-Received Trust Documentation. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/02/2026 Open-Missing Trust Documentation Lender guidelines require Trust Certificate (valid for 12 months prior to the Note Date) to be in the loan file. Trust Documentation is missing. Additional conditions may apply. - Due Diligence Vendor-12/31/2025 |
Resolved-Received Trust Documentation. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 |
Trust Document.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6876384 | N/A | N/A | |||||
| 8007958 | XXXXXXX | XXXXXX | Closed | 2026-01-08 14:32 | 2026-01-14 11:59 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/14/2026 Ready for Review-Document Uploaded. E-consent attached - Buyer-01/12/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/08/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/14/2026 |
XXXXXXX EC.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6992636 | N/A | N/A | |||||
| 8449763 | XXXXXXX | XXXXXX | Closed | 2026-01-15 13:40 | 2026-02-20 16:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-B2 Paystub dated within 10 days of Note. Condition resolved. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached pay stub in lieu of VVOE. - Buyer-02/20/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/15/2026 |
Resolved-B2 Paystub dated within 10 days of Note. Condition resolved. - Due Diligence Vendor-02/20/2026 |
B2 Pay stub.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7118173 | N/A | N/A | |||||
| 8449763 | XXXXXXX | XXXXXX | Closed | 2026-01-15 13:40 | 2026-02-20 16:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-B1 Paystub dated within 10 days of Note. Condition resolved. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached pay stub in lieu of VVOE. - Buyer-02/20/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/15/2026 |
Resolved-B1 Paystub dated within 10 days of Note. Condition resolved. - Due Diligence Vendor-02/20/2026 |
Pay stub.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7118172 | N/A | N/A | |||||
| 3892167 | XXXXXXX | XXXXXX | Closed | 2026-01-22 15:08 | 2026-01-27 12:28 | Resolved | 1 - Information | Property | Appraisal | Valuation product is deficient | Resolved-AVM received. Valuation is lower and dated same day-lower valuation used for primary value. - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Please find attached additional AVM - Buyer-01/26/2026 Open-Lender guidelines require two AVMs for loan amounts between $250,000.01 and $400,000. There is only one AVM in loan file. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |
Resolved-AVM received. Valuation is lower and dated same day-lower valuation used for primary value. - Due Diligence Vendor-01/27/2026 |
AVM.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7254090 | N/A | N/A | |||||
| 5542703 | XXXXXXX | XXXXXX | Closed | 2026-01-22 11:44 | 2026-05-12 10:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Please find attached flood insurance policy. - Buyer-01/23/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood Insurance Policy is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/26/2026 |
Flood Insurance Policy.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7248164 | N/A | N/A | |||||
| 5542703 | XXXXXXX | XXXXXX | Closed | 2026-01-22 11:42 | 2026-01-26 12:12 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-01/26/2026 Ready for Review-Document Uploaded. Please find attached flood insurance policy. - Buyer-01/23/2026 Open-Missing Flood Insurance Policy Flood Insurance Policy is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-01/26/2026 |
Flood Insurance Policy.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7248061 | N/A | N/A | |||||
| 1983191 | XXXXXXX | XXXXXX | Closed | 2026-01-22 10:14 | 2026-01-22 10:14 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7242879 | Investor Post-Close | No | ||||||
| 7489656 | XXXXXXX | XXXXXX | Closed | 2026-02-18 09:07 | 2026-02-20 15:49 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-DTI exception received for up to 50% DTI. Compensating factors of employment for an extended period at same job Years 10 and 36+ months 0x30 housing history have been validated. Condition resolved. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/19/2026 Open-Audited DTI of 49.23% exceeds Guideline DTI of 43% The Audited DTI of 49.23% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |
Resolved-DTI exception received for up to 50% DTI. Compensating factors of employment for an extended period at same job Years 10 and 36+ months 0x30 housing history have been validated. Condition resolved. - Due Diligence Vendor-02/20/2026 |
exception form.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7676876 | N/A | N/A | |||||
| 7489656 | XXXXXXX | XXXXXX | Closed | 2026-02-18 08:40 | 2026-02-18 08:41 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go to 90 days for credit report expiration without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/18/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go to 90 days for credit report expiration without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/18/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
NJ | Primary Residence | Refinance | Cash Out - Other | 7676275 | Originator Pre-Close | Yes | |||||
| 7489656 | XXXXXXX | XXXXXX | Closed | 2026-02-18 08:40 | 2026-02-18 08:41 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to go to 90 days for credit report expiration without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/18/2026 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to go to 90 days for credit report expiration without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/18/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
NJ | Primary Residence | Refinance | Cash Out - Other | 7676276 | Originator Pre-Close | Yes | |||||
| 1513252 | XXXXXXX | XXXXXX | Closed | 2026-03-04 09:05 | 2026-03-10 11:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waiver received to allow DTI to 50. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. As per guideline 4-4-4: Loans exceeding the standard DTI threshold of 43% remain eligible up to a maximum DTI of 50%, subject to a documented DTI pricing adjustment. Please find the attached Rate lock and Pricing. This is HELOAN and using interest rate 7.750% per Max Comp option and adjusted rate per attached matrix is 8.125% which is used to qualify. - Buyer-03/05/2026 Open-Audited DTI of 48.85% exceeds Guideline DTI of 43% The Audited DTI of 48.85% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-03/04/2026 |
Waived-Waiver received to allow DTI to 50. - Due Diligence Vendor-03/10/2026 |
Product and Pricing.pdf Guideline.pdf Exception Form.pdf |
Employment for an extended period at the same job 36+mo 0x30 housing payment history No derog events |
CA | Primary Residence | Refinance | Cash Out - Other | 7918416 | Originator Pre-Close | Yes | ||||
| 5784870 | XXXXXXX | XXXXXX | Closed | 2026-01-21 12:37 | 2026-01-21 12:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7219625 | Investor Post-Close | No | ||||||
| 5032329 | XXXXXXX | XXXXXX | Closed | 2026-01-16 11:54 | 2026-01-16 11:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7141695 | Investor Post-Close | No | ||||||
| 7164360 | XXXXXXX | XXXXXX | Closed | 2026-01-30 09:11 | 2026-01-30 09:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |
TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7373776 | Investor Post-Close | No | ||||||
| 3166351 | XXXXXXX | XXXXXX | Closed | 2025-12-19 14:55 | 2026-02-06 14:22 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Sufficient documentation of cure received. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. Please see attached COC_LOX and updated disbursement schedule, that check has been issued to the borrower. - Buyer-02/06/2026 Counter-LOX to borrower and proof of funds receipt by borrower required. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please see attached PCCD and wire confirmation regarding cure sent to title company to remit to the borrower. - Buyer-02/04/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not provided to cure tolerance. Additional conditions may apply. - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/19/2025 |
Cured-Sufficient documentation of cure received. - Due Diligence Vendor-02/06/2026 |
wire confirmation XXXXX.pdf XXXXXXXXX pccd.pdf COC-LOX.pdf XXXXXXXXX-X DISB LEDGER.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 6714294 | N/A | N/A | |||||
| 3166351 | XXXXXXX | XXXXXX | Closed | 2025-12-19 14:55 | 2026-02-06 14:22 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Sufficient documentation of cure received. - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. Please see attached COC_LOX and updated disbursement schedule, that check has been issued to the borrower. - Seller-02/06/2026 Counter-LOX to borrower and proof of funds receipt by borrower required. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please see attached PCCD and wire confirmation regarding cure sent to title company to remit to the borrower. - Buyer-02/04/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) 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. COC not provided to cure tolerance. Additional conditions may apply. - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-01/28/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/22/2025 Open- - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Please see attached COC_LOX and updated disbursement schedule, that check has been issued to the borrower. - Seller-02/06/2026 |
Cured-Sufficient documentation of cure received. - Due Diligence Vendor-02/06/2026 |
wire confirmation XXXXXXXXX.pdf XXXXXXXXX pccd.pdf COC-LOX.pdf XXXXXXXXX-X DISB LEDGER.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 6714288 | N/A | N/A | ||||
| 3166351 | XXXXXXX | XXXXXX | Closed | 2026-01-28 10:50 | 2026-02-02 12:34 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please refer page 87 to 91 of the attached. This was provided along with submission of other docs. - Buyer-01/30/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/28/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/02/2026 |
Signed Initial Disclosures.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 7333226 | N/A | N/A | |||||
| 3989274 | XXXXXXX | XXXXXX | Closed | 2025-12-29 13:08 | 2026-05-12 10:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/05/2026 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX provided in file is valid till XX/XX/XXXX. Hence VVOE is within 10 business days of Date. - Buyer-12/30/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 & B2 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6838391 | N/A | N/A | ||||||
| 3989274 | XXXXXXX | XXXXXX | Closed | 2025-12-29 13:08 | 2026-01-05 08:26 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/05/2026 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX provided in file is valid till XX/XX/XXXX. Hence VVOE is within 10 business days of Date. - Buyer-12/30/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6838389 | N/A | N/A | ||||||
| 3989274 | XXXXXXX | XXXXXX | Closed | 2025-12-29 13:08 | 2026-01-05 08:26 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/05/2026 Ready for Review-Note date is XX/XX/XXXX and VVOE dated XX/XX/XXXX provided in file is valid till XX/XX/XXXX. Hence VVOE is within 10 business days of Date. - Buyer-12/30/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B2 is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/05/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6838390 | N/A | N/A | ||||||
| 6658418 | XXXXXXX | XXXXXX | Closed | 2026-01-29 08:22 | 2026-02-03 09:39 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please find the attached documents. - Seller-02/02/2026 Open-1) Lender guidelines require most recent 12 months of business bank statements for business bank statement loan. Business bank statements are missing from loan file. Additional conditions may apply. 2) Business narrative is required per lender guidelines for bank statement income loan. Business narrative is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/29/2026 |
Ready for Review-Document Uploaded. Please find the attached documents. - Seller-02/02/2026 |
Resolved-Received. - Due Diligence Vendor-02/03/2026 |
Business Narrative.pdf 12 months Business Bank Statements.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7348728 | N/A | N/A | ||||
| 6658418 | XXXXXXX | XXXXXX | Closed | 2025-12-19 03:35 | 2026-02-03 09:39 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-02/02/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Borrower’s verification of business is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-02/02/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/03/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6700365 | N/A | N/A | ||||
| 6658418 | XXXXXXX | XXXXXX | Closed | 2025-12-19 03:35 | 2026-02-03 09:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/03/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-02/02/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require most recent 12 months of business bank statements for business bank statement loan. Business bank statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/19/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/03/2026 |
Business Narrative.pdf 12 months Business Bank Statements.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 6700367 | N/A | N/A | |||||
| 6658418 | XXXXXXX | XXXXXX | Closed | 2026-01-29 08:01 | 2026-02-03 09:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/03/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-02/02/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Borrower’s verification of business is missing in loan file. Additional conditions may apply. - Due Diligence Vendor-01/29/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/03/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7348209 | N/A | N/A | |||||
| 8201873 | XXXXXXX | XXXXXX | Closed | 2026-01-28 13:39 | 2026-01-28 13:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/28/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Refinance | Cash Out - Other | 7337316 | Investor Post-Close | No | ||||||
| 1753291 | XXXXXXX | XXXXXX | Closed | 2025-12-16 14:41 | 2026-01-23 10:47 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 45.57% exceeds Guideline DTI of 43% Exception received for DTI to 50% - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. Please find the attached exception Form - Buyer-01/22/2026 Open-Audited DTI of 45.57% exceeds Guideline DTI of 43% The Audited DTI of 45.57% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-12/16/2025 |
Waived-Audited DTI of 45.57% exceeds Guideline DTI of 43% Exception received for DTI to 50% - Due Diligence Vendor-01/23/2026 |
exception form.pdf | 36 mo 0x30 payment history Minimal debts No derogatory events |
TN | Primary Residence | Refinance | Cash Out - Other | 6650102 | Originator Pre-Close | Yes | ||||
| 1753291 | XXXXXXX | XXXXXX | Closed | 2026-01-21 15:15 | 2026-01-21 15:16 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 |
TN | Primary Residence | Refinance | Cash Out - Other | 7225247 | Investor Post-Close | No | ||||||
| 6233491 | XXXXXXX | XXXXXX | Closed | 2025-12-30 12:44 | 2026-01-07 15:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Trust Documentation | Resolved-Received Trust Cert. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/02/2026 Open-Missing Trust Documentation Lender guidelines require Trust Certificate (valid for 12 months prior to the Note Date) to be in the loan file. Trust Documentation is missing. Additional conditions may apply. - Due Diligence Vendor-12/30/2025 |
Resolved-Received Trust Cert. Condition status changed to Resolved. - Due Diligence Vendor-01/07/2026 |
Trust Cert.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6858262 | N/A | N/A | |||||
| 1114006 | XXXXXXX | XXXXXX | Closed | 2026-01-05 13:47 | 2026-01-05 13:48 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6920286 | Investor Post-Close | No | ||||||
| 2380341 | XXXXXXX | XXXXXX | Closed | 2026-02-17 11:29 | 2026-02-26 16:17 | Resolved | 1 - Information | Credit | Closing | Incomplete Homeowners Association Certification/Questionnaire | Resolved-Received completed Condo Questionnaire (all pages) for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Please find attached completed condo Questionnaire. - Buyer-02/26/2026 Open-Homeowners Certificate/Questionnaire is incomplete. Condo Questionnaire in file is incomplete as it does not have all pages. Please provide complete condo questionnaire. Additional conditions may apply. - Due Diligence Vendor-02/17/2026 |
Resolved-Received completed Condo Questionnaire (all pages) for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/26/2026 |
Condo Questionnaire.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7658421 | N/A | N/A | |||||
| 2380341 | XXXXXXX | XXXXXX | Closed | 2026-01-09 13:21 | 2026-02-20 09:59 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. CD was viewed by borrower on XX/XX/XXXX, which was considered as acknowledgement date. Please see attached the Audit Trail - Buyer-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). 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)) Initial CD reflects Date Issued of XX/XX/XXXX. Borrower acknowledged receipt of initial C.D. on XX/XX/XXXX which is less than 3 business days prior to consummation. No Cure. - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 |
Resolved-Resolved - Due Diligence Vendor-02/20/2026 |
Audit trail.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7013133 | N/A | N/A | |||||
| 8599077 | XXXXXXX | XXXXXX | Closed | 2025-12-23 07:51 | 2026-02-04 16:03 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-recieved. - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-02/03/2026 Open-Please provide evidence of debt balance and monthly payment for liability 9 & 10 listed on the final 1003. Both liabilities do not appear on credit report. Additional conditions may apply. - Due Diligence Vendor-12/23/2025 |
Resolved-recieved. - Due Diligence Vendor-02/04/2026 |
XXXXXXXXX XXXX.pdf XXXXXX XXX XXXX.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6758074 | N/A | N/A | |||||
| 8599077 | XXXXXXX | XXXXXX | Closed | 2026-02-02 08:05 | 2026-02-04 16:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-02/03/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide evidence of debt balance and monthly payment for liability 9 & 10 listed on the final 1003. Both liabilities do not appear on credit report. Additional conditions may apply. - Due Diligence Vendor-02/02/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/04/2026 |
XXXXXX XXX XXXX.pdf XXXXXXXXX XXXX.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7395484 | N/A | N/A | |||||
| 3156114 | XXXXXXX | XXXXXX | Closed | 2026-01-12 09:04 | 2026-05-12 10:41 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find attached documents. - Buyer-02/23/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require proof of three years continuance via account statements for IRA distributions. Account statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/24/2026 |
IRS Distribution Income.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 7037729 | N/A | N/A | |||||
| 3156114 | XXXXXXX | XXXXXX | Closed | 2026-01-06 13:46 | 2026-02-24 13:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2) | Resolved-Received. - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Please find attached documents. - Buyer-02/23/2026 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. Lender guidelines require proof of three years continuance via account statements for IRA distributions. Account statements are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 |
Resolved-Received. - Due Diligence Vendor-02/24/2026 |
IRS Distribution Income.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 6942399 | N/A | N/A | |||||
| 4996387 | XXXXXXX | XXXXXX | Closed | 2025-12-03 12:46 | 2025-12-30 08:11 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard effective date and disbursement date are same (XX/XX/XXXX). This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/03/2025 | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard effective date and disbursement date are same (XX/XX/XXXX). This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/03/2025 |
FL | Investment | Refinance | Cash Out - Other | 6470031 | Investor Post-Close | No | ||||||
| 6327427 | XXXXXXX | XXXXXX | Closed | 2026-01-04 02:03 | 2026-01-04 02:03 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/04/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/04/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6906886 | Investor Post-Close | No | ||||||
| 3279007 | XXXXXXX | XXXXXX | Closed | 2026-01-09 11:26 | 2026-01-14 09:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/14/2026 Ready for Review-Closing date is XX/XX/XXXX and Pay stub provided in file is dated XX/XX/XXXX which is within 10 business days of Note date. - Buyer-01/12/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/09/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/14/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7010914 | N/A | N/A | ||||||
| 3279007 | XXXXXXX | XXXXXX | Closed | 2026-01-09 11:26 | 2026-01-14 09:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/14/2026 Ready for Review-Closing date is XX/XX/XXXX and Pay stub provided in file is dated XX/XX/XXXX which is within 10 business days of Note date. - Buyer-01/12/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/09/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/14/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7010915 | N/A | N/A | ||||||
| 2607901 | XXXXXXX | XXXXXX | Closed | 2025-12-26 08:11 | 2026-05-12 10:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please find attached documents - Buyer-02/06/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Retirement statement is missing in file - Due Diligence Vendor-12/26/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/09/2026 |
Proof of Income.pdf Bank statement 36 moths payment capacity.pdf |
AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6809943 | N/A | N/A | |||||
| 2607901 | XXXXXXX | XXXXXX | Closed | 2025-12-26 09:15 | 2026-02-09 11:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Documentation received. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. Please find attached documents - Buyer-02/06/2026 Open-Borrower using pension income, but statement was missing in file. Please provided a receipt of bank statements or award letter or 1099 statement - Due Diligence Vendor-12/26/2025 |
Resolved-Documentation received. - Due Diligence Vendor-02/09/2026 |
Proof of Income.pdf Bank statement 36 moths payment capacity.pdf |
AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6811011 | N/A | N/A | |||||
| 8300044 | XXXXXXX | XXXXXX | Closed | 2026-01-20 07:55 | 2026-01-20 07:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7177294 | Investor Post-Close | No | ||||||
| 9269786 | XXXXXXX | XXXXXX | Closed | 2026-01-13 08:10 | 2026-02-18 13:39 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waiver received for DTI to 46.26% - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-02/17/2026 Open-Audited DTI of 45.89% exceeds Guideline DTI of 43% As per GL section 4-4-4, DTI to be restricted to 43% for CLTV of 85% however Audited DTI of 45.89% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/13/2026 |
Waived-Waiver received for DTI to 46.26% - Due Diligence Vendor-02/18/2026 |
Exception Form.pdf | 36+mo of 0x30 payment history minimal debt |
FL | Primary Residence | Refinance | Cash Out - Other | 7059629 | Originator Pre-Close | Yes | ||||
| 9269786 | XXXXXXX | XXXXXX | Closed | 2026-01-13 08:05 | 2026-01-13 08:05 | Waived | 2 - Non-Material | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-As per GL section 4-2-4-17, For loans where the lender uses a credit report over 60 days from the note date, the lender is responsible for identifying any new credit debts beyond ten business days from the note date. Credit report used is 74 days prior and Gap credit provided is 17 days prior. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/13/2026 | Waived-As per GL section 4-2-4-17, For loans where the lender uses a credit report over 60 days from the note date, the lender is responsible for identifying any new credit debts beyond ten business days from the note date. Credit report used is 74 days prior and Gap credit provided is 17 days prior. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/13/2026 |
36+ Months0x30 housing payment history Minimal debts/ Revolving accounts Fixed Income. |
FL | Primary Residence | Refinance | Cash Out - Other | 7059491 | Originator Pre-Close | Yes | |||||
| 9269786 | XXXXXXX | XXXXXX | Closed | 2026-01-13 08:04 | 2026-01-13 08:04 | Waived | 2 - Non-Material | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-As per GL section 4-2-4-17, For loans where the lender uses a credit report over 60 days from the note date, the lender is responsible for identifying any new credit debts beyond ten business days from the note date. Credit report used is 74 days prior and Gap credit provided is 17 days prior. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/13/2026 | Waived-As per GL section 4-2-4-17, For loans where the lender uses a credit report over 60 days from the note date, the lender is responsible for identifying any new credit debts beyond ten business days from the note date. Credit report used is 74 days prior and Gap credit provided is 17 days prior. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/13/2026 |
36+ Months0x30 housing payment history Minimal debts/ Revolving accounts Fixed Income. |
FL | Primary Residence | Refinance | Cash Out - Other | 7059444 | Originator Pre-Close | Yes | |||||
| 7488968 | XXXXXXX | XXXXXX | Closed | 2026-02-07 12:18 | 2026-02-07 12:18 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 85% exceeds Guideline CLTV of 80% Lender Exception in file for CLTV to go to 85%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/07/2026 | Waived-Audited CLTV of 85% exceeds Guideline CLTV of 80% Lender Exception in file for CLTV to go to 85%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/07/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. 3) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 7503556 | Originator Pre-Close | Yes | |||||
| 4717100 | XXXXXXX | XXXXXX | Closed | 2026-02-12 12:24 | 2026-02-19 13:14 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/17/2026 Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is missing from loan file. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/12/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/19/2026 |
Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7588171 | N/A | N/A | |||||
| 4717100 | XXXXXXX | XXXXXX | Closed | 2026-02-12 12:05 | 2026-02-19 13:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see attached - Seller-02/17/2026 Open-The Final 1003 is Missing Final 1003 is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/17/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-02/19/2026 |
Final 1003.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7587699 | N/A | N/A | ||||
| 4717100 | XXXXXXX | XXXXXX | Closed | 2026-02-12 12:00 | 2026-02-17 11:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please find attached document. - Seller-02/13/2026 Open-The Deed of Trust is Missing Deed of Trust is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. Please find attached document. - Seller-02/13/2026 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/17/2026 |
DOT.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7587615 | N/A | N/A | ||||
| 4717100 | XXXXXXX | XXXXXX | Closed | 2026-02-12 12:14 | 2026-02-12 12:14 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7587892 | Investor Post-Close | No | ||||||
| 5140992 | XXXXXXX | XXXXXX | Closed | 2026-01-21 16:54 | 2026-05-14 07:34 | Waived | 2 - Non-Material | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Waived-Comp factors added. - Due Diligence Vendor-05/14/2026 Waived-Borrower waived right to cancel due to financial emergency. - Due Diligence Vendor-01/23/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties NORTC Missing for one or more borrowers/vested parties is missing from loan file. NORTC waiver is required to be handwritten so the letter in file is not acceptable. Additional conditions may apply. - Due Diligence Vendor-01/21/2026 |
Waived-Comp factors added. - Due Diligence Vendor-05/14/2026 Waived-Borrower waived right to cancel due to financial emergency. - Due Diligence Vendor-01/23/2026 |
Borrower waived right to cancel due to financial emergency. | FL | Primary Residence | Refinance | Cash Out - Other | 7227772 | Originator Pre-Close | Yes | |||||
| 5140992 | XXXXXXX | XXXXXX | Closed | 2026-01-21 17:05 | 2026-01-27 12:05 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.99% exceeds Guideline DTI of 43% Exception received for DTI to 50 - Due Diligence Vendor-01/27/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-01/26/2026 Open-Audited DTI of 49.99% exceeds Guideline DTI of 43% The Audited DTI of 49.99% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/21/2026 |
Waived-Audited DTI of 49.99% exceeds Guideline DTI of 43% Exception received for DTI to 50 - Due Diligence Vendor-01/27/2026 |
exception form.pdf | Employment for extended period at the same job Minimal Debts/revolving accounts. |
FL | Primary Residence | Refinance | Cash Out - Other | 7228115 | Originator Pre-Close | Yes | ||||
| 1139934 | XXXXXXX | XXXXXX | Closed | 2026-02-12 00:36 | 2026-02-12 00:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is Missing or Incomplete - Due Diligence Vendor-02/12/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is Missing or Incomplete - Due Diligence Vendor-02/12/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7575605 | Investor Post-Close | No | ||||||
| 2309124 | XXXXXXX | XXXXXX | Closed | 2026-01-15 07:53 | 2026-01-15 07:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/15/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/15/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7107699 | Investor Post-Close | No | ||||||
| 2142539 | XXXXXXX | XXXXXX | Closed | 2026-01-06 06:38 | 2026-02-06 13:05 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/06/2026 |
Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/06/2026 |
WI | Primary Residence | Refinance | Cash Out - Other | 6930821 | Investor Post-Close | No | ||||||
| 6232570 | XXXXXXX | XXXXXX | Closed | 2026-02-18 06:54 | 2026-03-24 10:30 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Funding date is XX/XX/XXXX. Please waive. - Buyer-03/19/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date XX/XX/XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Resolved-Resolved - Due Diligence Vendor-03/24/2026 |
XXXXX ss.PDF | TX | Primary Residence | Refinance | Cash Out - Other | 7674095 | N/A | N/A | |||||
| 7803943 | XXXXXXX | XXXXXX | Closed | 2026-01-29 15:20 | 2026-01-29 15:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7359569 | Investor Post-Close | No | ||||||
| 4965180 | XXXXXXX | XXXXXX | Closed | 2025-12-16 11:20 | 2026-01-21 08:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received to go to 50% - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. Please find the attached Exception form. - Buyer-01/20/2026 Open-Audited DTI of 50% exceeds Guideline DTI of 43% The Audited DTI of 50% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/19/2026 |
Waived-Exception received to go to 50% - Due Diligence Vendor-01/21/2026 |
Exception Form Post.pdf | 36+ months 0x30 housing payment history No derogatory events |
FL | Primary Residence | Refinance | Cash Out - Other | 6645524 | Originator Pre-Close | Yes | ||||
| 4391596 | XXXXXXX | XXXXXX | Closed | 2026-01-29 14:45 | 2026-02-25 07:59 | Resolved | 1 - Information | Credit | Eligibility | Ineligible Property Type | Resolved-Property type is eligible. - Due Diligence Vendor-02/25/2026 Ready for Review-Received updated 1003 for B1 & B2 confirming property is not mixed-use. Condition status changed to Resolved. - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Please find attached updated 1003 confirming property is not mixed-use property. - Buyer-02/24/2026 Open-Property type is ineligible due to Lender guidelines state that lender will not lend on mixed use properties. Final 1003 for both borrowers indicates the property will be mixed use. Property type is ineligible.. Lender guidelines state that lender will not lend on mixed use properties. Final 1003 for both borrowers indicates the property will be mixed use. Property type is ineligible. Additional conditions may apply. - Due Diligence Vendor-01/29/2026 |
Resolved-Property type is eligible. - Due Diligence Vendor-02/25/2026 |
Updated 1003.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7358926 | N/A | N/A | |||||
| 7347597 | XXXXXXX | XXXXXX | Closed | 2026-02-04 06:06 | 2026-02-04 07:30 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing As per lender GLs, credit refresh required if credit report more than 60 days. However, file has credit report more than 60 days and lender provided exception with compensating factors. All compensating factors are verified and valid. - Due Diligence Vendor-02/04/2026 | Waived-Borrower 1 Gap Credit Report is Missing As per lender GLs, credit refresh required if credit report more than 60 days. However, file has credit report more than 60 days and lender provided exception with compensating factors. All compensating factors are verified and valid. - Due Diligence Vendor-02/04/2026 |
1.Employment for an extended period at the same job - 19 Years 2.Credit Score >/= 10+ Points more than qualifying 3.36+ Months 0x30 housing payment history |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7432826 | Originator Pre-Close | Yes | |||||
| 8273280 | XXXXXXX | XXXXXX | Closed | 2026-01-08 05:22 | 2026-01-08 05:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-01/08/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-01/08/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 6977137 | Investor Post-Close | No | ||||||
| 5689720 | XXXXXXX | XXXXXX | Closed | 2026-01-19 09:19 | 2026-05-14 10:08 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/14/2026 Resolved-Received - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/17/2026 Open-Borrower 1 Business Bank Statements Missing 12 months bank statement is missing, hence proceed with the worksheet page# 39 - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/14/2026 Resolved-Received - Due Diligence Vendor-02/19/2026 |
Business Bank statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7164835 | N/A | N/A | |||||
| 8595269 | XXXXXXX | XXXXXX | Closed | 2026-01-30 11:16 | 2026-01-30 11:17 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7378257 | Investor Post-Close | No | ||||||
| 8469140 | XXXXXXX | XXXXXX | Closed | 2026-01-06 14:51 | 2026-02-20 15:30 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received DTI exception up to 50%, compensating factors 36+ month 0x30 housing history and min revolving debt of $XXX.XX validated. Condition resolved - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-02/19/2026 Open-Audited DTI of 46.92% exceeds Guideline DTI of 43% The Audited DTI of 46.92% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/06/2026 |
Resolved-Received DTI exception up to 50%, compensating factors 36+ month 0x30 housing history and min revolving debt of $184.12 validated. Condition resolved - Due Diligence Vendor-02/20/2026 |
exception form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6943972 | N/A | N/A | |||||
| 7230506 | XXXXXXX | XXXXXX | Closed | 2026-01-14 12:16 | 2026-02-19 14:54 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 84.85% exceeds Guideline CLTV of 80% Exception to go to 85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 | Waived-Audited CLTV of 84.85% exceeds Guideline CLTV of 80% Exception to go to 85% CLTV. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 |
DTI <5% below the Maximum Qualifying -DTI is 36.091% Employment for an extended period at the same job-Years: 21Months: 0 |
CA | Primary Residence | Refinance | Cash Out - Other | 7091025 | Originator Pre-Close | Yes | |||||
| 2477127 | XXXXXXX | XXXXXX | Closed | 2026-01-27 09:09 | 2026-05-14 07:32 | Cured | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Cured-Post close VVOE received. - Due Diligence Vendor-05/14/2026 Acknowledged-Post close VVOE received. - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/30/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/27/2026 |
Cured-Post close VVOE received. - Due Diligence Vendor-05/14/2026 Acknowledged-Post close VVOE received. - Due Diligence Vendor-02/02/2026 |
B1 VVOE.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7310966 | N/A | N/A | |||||
| 2477127 | XXXXXXX | XXXXXX | Closed | 2026-01-27 09:09 | 2026-05-14 07:32 | Cured | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Cured-Post close VVOE received. - Due Diligence Vendor-05/14/2026 Acknowledged-Post close VVOE received. - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please find the attached document. - Buyer-01/30/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B2 is dated 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/27/2026 |
Cured-Post close VVOE received. - Due Diligence Vendor-05/14/2026 Acknowledged-Post close VVOE received. - Due Diligence Vendor-02/02/2026 |
B2 VVOE.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7310967 | N/A | N/A | |||||
| 2477127 | XXXXXXX | XXXXXX | Closed | 2026-01-27 09:09 | 2026-05-12 10:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/02/2026 Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/30/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for both borrowers is dated 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-01/27/2026 |
Ready for Review-Document Uploaded. Please find the attached document. - Seller-01/30/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/02/2026 |
B2 VVOE.pdf B1 VVOE.pdf |
MD | Primary Residence | Refinance | Cash Out - Other | 7310968 | N/A | N/A | ||||
| 7855076 | XXXXXXX | XXXXXX | Closed | 2026-02-10 11:17 | 2026-02-10 11:17 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7540479 | Investor Post-Close | No | ||||||
| 5636410 | XXXXXXX | XXXXXX | Closed | 2026-02-05 12:05 | 2026-02-05 12:05 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/05/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/05/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7472336 | Investor Post-Close | No | ||||||
| 7242825 | XXXXXXX | XXXXXX | Closed | 2025-12-26 23:37 | 2026-05-12 10:20 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. As per the XXXXXX UW guideline dated 11/25 If funds are required to close the loan, borrowers must provide proof of funds if the amount is greater than 50% of the monthly qualifying income. Otherwise, we assume the borrower has the income to cover the required cash-to-close. (Note : Borrower Qualifying income is $X,XXX.XX hence asset are not required). - Buyer-02/10/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Verified assets of $0 less than cash to close of $XXXX.XX shortage of funds to close. - Due Diligence Vendor-12/27/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/11/2026 |
CTC.png | CA | Primary Residence | Refinance | Cash Out - Other | 6822429 | N/A | N/A | |||||
| 9384380 | XXXXXXX | XXXXXX | Closed | 2026-01-27 14:16 | 2026-01-27 14:16 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
UT | Primary Residence | Refinance | Cash Out - Other | 7318233 | Investor Post-Close | No | ||||||
| 7549894 | XXXXXXX | XXXXXX | Closed | 2026-02-27 10:30 | 2026-02-27 10:30 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7846512 | Investor Post-Close | No | ||||||
| 3899431 | XXXXXXX | XXXXXX | Closed | 2026-02-17 15:44 | 2026-05-12 10:19 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find the attached document. Closing date is XX/XX/XXXX and VVOE provided in file is dated XX/XX/XXXX which is valid till XX/XX/XXXX. - Buyer-02/19/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for borrower is dated 11 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-02/17/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/20/2026 |
VVOE.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 7663771 | N/A | N/A | |||||
| 3899431 | XXXXXXX | XXXXXX | Closed | 2026-02-17 16:18 | 2026-02-17 16:18 | Waived | 2 - Non-Material | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Waived-Lender exception in file to allow FSD of 21 on AVM used for secondary valuation. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/17/2026 | Waived-Lender exception in file to allow FSD of 21 on AVM used for secondary valuation. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/17/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. 3) 36+ Months 0x30 housing payment history. |
WA | Primary Residence | Refinance | Cash Out - Other | 7664289 | Originator Pre-Close | Yes | |||||
| 3540090 | XXXXXXX | XXXXXX | Closed | 2026-01-27 08:18 | 2026-02-20 14:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Received VOM confirming 1st lien P&I. Condition resolved. - Due Diligence Vendor-02/20/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find attached document - Buyer-02/19/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Verification of 1st lien P&I is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/27/2026 |
Resolved-Received VOM confirming 1st lien P&I. Condition resolved. - Due Diligence Vendor-02/20/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/20/2026 |
Mortgage statement.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7309945 | N/A | N/A | |||||
| 3540090 | XXXXXXX | XXXXXX | Closed | 2026-01-27 08:21 | 2026-02-20 14:13 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received VOM confirmed 1st lien P&I. Condition resolved. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please find attached document - Buyer-02/19/2026 Open-Verification of 1st lien P&I is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/27/2026 |
Resolved-Received VOM confirmed 1st lien P&I. Condition resolved. - Due Diligence Vendor-02/20/2026 |
Mortgage statement.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7309985 | N/A | N/A | |||||
| 9853122 | XXXXXXX | XXXXXX | Closed | 2026-01-02 06:47 | 2026-01-02 06:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-01/02/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-01/02/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6890380 | Investor Post-Close | No | ||||||
| 5042234 | XXXXXXX | XXXXXX | Closed | 2026-02-07 09:48 | 2026-02-07 09:49 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2026 |
ME | Primary Residence | Refinance | Cash Out - Other | 7503325 | Investor Post-Close | No | ||||||
| 5391803 | XXXXXXX | XXXXXX | Closed | 2026-01-12 11:04 | 2026-02-10 13:35 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/09/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent Documentation is missing for borrower in file. - Due Diligence Vendor-01/12/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/10/2026 |
E-consent.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7044765 | N/A | N/A | |||||
| 9145440 | XXXXXXX | XXXXXX | Closed | 2026-01-27 14:53 | 2026-01-28 11:58 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.94% exceeds Guideline DTI of 43% As per guideline section 4-4-4, DTI to be restricted to 43% for maximum CLTV of 85% however subject transaction DTI is 49.94% with CLTV of 81.498%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/27/2026 | Waived-Audited DTI of 49.94% exceeds Guideline DTI of 43% As per guideline section 4-4-4, DTI to be restricted to 43% for maximum CLTV of 85% however subject transaction DTI is 49.94% with CLTV of 81.498%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/27/2026 |
36+ Months 0x30 housing payment history Minimal debts / Revolving accounts No derogatory events |
CA | Primary Residence | Refinance | Cash Out - Other | 7318854 | Originator Pre-Close | Yes | |||||
| 9145440 | XXXXXXX | XXXXXX | Closed | 2026-01-27 15:01 | 2026-01-28 09:42 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing As per guideline section 4-2-4-17, Credit refresh (LQI) is necessary when the lender uses a credit report that is older than 60 days from the date of the note. Credit report provided in the file is dated 69 days prior to note date. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/27/2026 | Waived-Borrower 1 Gap Credit Report is Missing As per guideline section 4-2-4-17, Credit refresh (LQI) is necessary when the lender uses a credit report that is older than 60 days from the date of the note. Credit report provided in the file is dated 69 days prior to note date. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/27/2026 |
36+ Months0x30 housing payment history Minimal debts/ Revolving account No derogatory events |
CA | Primary Residence | Refinance | Cash Out - Other | 7318975 | Originator Pre-Close | Yes | |||||
| 9145440 | XXXXXXX | XXXXXX | Closed | 2026-01-27 15:01 | 2026-01-28 09:42 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing As per guideline section 4-2-4-17, Credit refresh (LQI) is necessary when the lender uses a credit report that is older than 60 days from the date of the note. Credit report provided in the file is dated 69 days prior to note date. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/27/2026 | Waived-Borrower 2 Gap Credit Report is Missing As per guideline section 4-2-4-17, Credit refresh (LQI) is necessary when the lender uses a credit report that is older than 60 days from the date of the note. Credit report provided in the file is dated 69 days prior to note date. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/27/2026 |
36+ Months0x30 housing payment history Minimal debts/ Revolving account No derogatory events |
CA | Primary Residence | Refinance | Cash Out - Other | 7318976 | Originator Pre-Close | Yes | |||||
| 9042891 | XXXXXXX | XXXXXX | Closed | 2026-02-12 14:52 | 2026-02-17 12:01 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/13/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Flood Insurance Policy is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/12/2026 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/17/2026 |
flood.pdf Flood Insurance.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7592680 | N/A | N/A | |||||
| 9042891 | XXXXXXX | XXXXXX | Closed | 2025-12-29 06:00 | 2026-02-17 12:01 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/13/2026 Open-Missing Flood Insurance Policy Flood Insurance Policy is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-12/29/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-02/17/2026 |
Flood Insurance.pdf flood.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 6827765 | N/A | N/A | |||||
| 1107873 | XXXXXXX | XXXXXX | Closed | 2026-02-11 08:20 | 2026-05-12 10:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/13/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Secretary of State website search is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/11/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/16/2026 |
CPA Letter.pdf CPA letter.1.pdf Business search.pdf CPA Letter.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7557686 | N/A | N/A | |||||
| 1107873 | XXXXXXX | XXXXXX | Closed | 2026-02-11 08:20 | 2026-05-12 10:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/13/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Please provide supporting income documentation for Asset Depletion income listed on Final 1003 for borrower 1. Documentation needed: Most recent account statements covering a one-month period or most recent quarter’s statement and verification of source (such as a distribution letter from an employer for severance packages or retirement distributions). We have the Asset Depletion Worksheet in file, but the supporting asset documentation used is missing. Additional conditions may apply. - Due Diligence Vendor-02/11/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/16/2026 |
Asset dep.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7557687 | N/A | N/A | |||||
| 1107873 | XXXXXXX | XXXXXX | Closed | 2026-02-11 08:47 | 2026-02-16 15:05 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/13/2026 Open-Please provide supporting income documentation for Asset Depletion income listed on Final 1003 for borrower 1. Documentation needed: Most recent account statements covering a one-month period or most recent quarter’s statement and verification of source (such as a distribution letter from an employer for severance packages or retirement distributions). We have the Asset Depletion Worksheet in file, but the supporting asset documentation used is missing. Additional conditions may apply. - Due Diligence Vendor-02/11/2026 |
Resolved-Received - Due Diligence Vendor-02/16/2026 |
Asset dep.pdf | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7558409 | N/A | N/A | |||||
| 1107873 | XXXXXXX | XXXXXX | Closed | 2026-02-11 08:20 | 2026-02-16 15:05 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. Please find attached. - Seller-02/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Secretary of State website search is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document Uploaded. Please find attached. - Seller-02/13/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/16/2026 |
CPA Letter.pdf CPA letter.1.pdf Business search.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7557684 | N/A | N/A | ||||
| 1107873 | XXXXXXX | XXXXXX | Closed | 2026-02-11 08:20 | 2026-02-16 15:05 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/16/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/13/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Secretary of State website search is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/11/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/16/2026 |
CPA Letter.pdf CPA letter.1.pdf Business search.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7557685 | N/A | N/A | |||||
| 2664524 | XXXXXXX | XXXXXX | Closed | 2026-02-12 09:06 | 2026-02-12 09:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7582828 | Investor Post-Close | No | ||||||
| 2664524 | XXXXXXX | XXXXXX | Closed | 2026-02-12 09:06 | 2026-02-12 09:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7582829 | Investor Post-Close | No | ||||||
| 9265636 | XXXXXXX | XXXXXX | Closed | 2026-03-04 09:41 | 2026-03-10 11:17 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-paystubs received. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached Income documents. - Buyer-03/05/2026 Open-Missing Year-to-date paystubs or a written verification of employment verifying year-to-date income for both borrowers. - Due Diligence Vendor-03/04/2026 |
Resolved-paystubs received. - Due Diligence Vendor-03/10/2026 |
Income.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7919345 | N/A | N/A | |||||
| 9265636 | XXXXXXX | XXXXXX | Closed | 2026-01-20 12:10 | 2026-03-10 11:17 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached Income documents. - Buyer-03/05/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Year-to-date paystubs or a written verification of employment verifying year-to-date income for both borrowers. - Due Diligence Vendor-01/21/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 |
Income.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7184143 | N/A | N/A | |||||
| 3582332 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:24 | 2026-03-24 11:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower 2) | Resolved-Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please find attached VVOE. - Buyer-03/19/2026 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 days prior to the Note date for Borrower 2’s job. - Due Diligence Vendor-03/18/2026 |
Resolved-Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-03/24/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8187142 | N/A | N/A | |||||
| 3582332 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:36 | 2026-03-18 11:39 | Waived | 2 - Non-Material | Credit | Eligibility | Credit history does not meet guidelines | Waived-Please allow 7-day extension on credit before LQI required to accommodate closing. Credit/LQI expires Loan closed XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/18/2026 | Waived-Please allow 7-day extension on credit before LQI required to accommodate closing. Credit/LQI expires Loan closed 02/02. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/18/2026 |
64.29% CLTV below the Maximum Qualifying of 85%. 35.31% DTI below the Maximum Qualifying of 50%. B2 Employed for an extended period at the same job 4.75 years. | CA | Primary Residence | Refinance | Cash Out - Other | 8187405 | Originator Pre-Close | Yes | |||||
| 5880718 | XXXXXXX | XXXXXX | Closed | 2026-03-31 06:26 | 2026-04-03 11:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Notes Receivable Missing | Resolved-Received 16 months of recent bank statements showing receipt of Notes Receivable income. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Notes Receivable Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 month receipt of Note Receivable income. - Buyer-04/01/2026 Open-Borrower 1 Notes Receivable Missing Provide a legible copy of the confirmation of 12-month's receipt (per guidelines, ineligible for financing if less than 12-month's; promissory note and purchase agreement in-file). - Due Diligence Vendor-03/31/2026 |
Resolved-Received 16 months of recent bank statements showing receipt of Notes Receivable income. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Notes Receivable Provided - Due Diligence Vendor-04/03/2026 |
Bank Statements 12 Months.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8401133 | N/A | N/A | |||||
| 9850466 | XXXXXXX | XXXXXX | Closed | 2026-03-04 10:39 | 2026-03-10 10:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower) | Resolved-sufficient VVOE received. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VVOE within 10 business days of note date. - Buyer-03/05/2026 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 days prior to the Note date for Borrower’s job. - Due Diligence Vendor-03/04/2026 |
VVOE provided is dated 12 business days prior to the note. - 03/04/2026 |
Resolved-sufficient VVOE received. - Due Diligence Vendor-03/10/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7921293 | N/A | N/A | ||||
| 9221537 | XXXXXXX | XXXXXX | Closed | 2026-02-19 11:01 | 2026-02-25 11:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Resolved - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. There is no cure. The attached(Page41) is the initial LE that was disclosed to the borrower. Please consider this for baseline calculations. If you are referring to the LE without transfer taxes, that was never disclosed to the borrower - Buyer-02/24/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) 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. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. Additional conditions may apply. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Resolved-Resolved - Due Diligence Vendor-02/25/2026 |
LE XX/XX/XXXX.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7701451 | N/A | N/A | |||||
| 9221537 | XXXXXXX | XXXXXX | Closed | 2026-02-19 11:01 | 2026-02-25 11:22 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. There is no cure. The attached(Page41) is the initial LE that was disclosed to the borrower. Please consider this for baseline calculations. If you are referring to the LE without transfer taxes, that was never disclosed to the borrower - Buyer-02/24/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. Additional conditions may apply. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Resolved-Resolved - Due Diligence Vendor-02/25/2026 |
LE XX/XX/XXXX.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7701452 | N/A | N/A | |||||
| 7833364 | XXXXXXX | XXXXXX | Closed | 2026-03-04 07:32 | 2026-05-14 07:30 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/14/2026 Acknowledged-Borrower 1 Gap Credit Report is Missing Guidelines require a credit refresh report for any credit reports that are over 60 days prior to the Note. Credit report in file is dated 62 days prior to the note. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/04/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/14/2026 Acknowledged-Borrower 1 Gap Credit Report is Missing Guidelines require a credit refresh report for any credit reports that are over 60 days prior to the Note. Credit report in file is dated 62 days prior to the note. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/04/2026 |
CLTV is over 5% below the maximum qualifying. Employed at same job for 5 years and 10 months. |
GA | Primary Residence | Refinance | Cash Out - Other | 7916230 | Investor Post-Close | No | |||||
| 7833364 | XXXXXXX | XXXXXX | Closed | 2026-02-02 12:53 | 2026-03-10 11:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Bank statements received. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statement. - Buyer-03/05/2026 Open-Loan was qualified with 12 months bank statement income. No bank statements are present in the loan file. - Due Diligence Vendor-02/02/2026 |
Resolved-Bank statements received. - Due Diligence Vendor-03/10/2026 |
Bank Statements.pdf Bank Statements.pdf |
GA | Primary Residence | Refinance | Cash Out - Other | 7403202 | N/A | N/A | |||||
| 7833364 | XXXXXXX | XXXXXX | Closed | 2026-02-02 10:52 | 2026-03-10 11:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statement. - Buyer-03/05/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Loan was qualified with 12 months bank statement income. No bank statements are present in the loan file. - Due Diligence Vendor-02/02/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 |
Bank Statements.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7400472 | N/A | N/A | |||||
| 6678431 | XXXXXXX | XXXXXX | Closed | 2026-01-29 18:57 | 2026-03-04 11:20 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-1.. Borrowers do not meet minimum tradelines. 1 open tradeline reporting on credit since XX/XXXX. 1st mortgage is not reporting on credit, opened XX/XXXX 2. Exception for balloon payment on 1st lien in 10 years. CLTV will be 14.48% at the time the 1st lien matures in 10 years. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/30/2026 |
Waived-1.. Borrowers do not meet minimum tradelines. 1 open tradeline reporting on credit since XX/XXXX. 1st mortgage is not reporting on credit, opened XX/XXXX 2. Exception for balloon payment on 1st lien in 10 years. CLTV will be 14.48% at the time the 1st lien matures in 10 years. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/30/2026 |
1. CLTV 15% or more under requirement 2.Employment of 5 years on the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 7362831 | Originator Pre-Close | Yes | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:29 | 2026-05-12 10:07 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/09/2026 Resolved-Received Tax Cert. Condition changed to Resolved. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached tax certificate - Buyer-02/25/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Evidence of Subject property taxes missing. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/09/2026 Resolved-Received Tax Cert. Condition changed to Resolved. - Due Diligence Vendor-02/27/2026 |
Tax Certificate.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7763383 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:05 | 2026-05-12 10:07 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/12/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Statement provided. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please find the attached updated exception form. - Buyer-03/03/2026 Counter-Please provide updated exception form with approver listed. Condition remains. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please find attached exception form to waive signed business tax requirement. - Buyer-03/02/2026 Counter-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require signed and dated borrower's copy filed with the IRS. - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-02/25/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender Guidelines require evidence that the borrower has at least two consecutive years of self-employment operating the same business in the same location to demonstrate income stability. XXXX & XXXX personal tax returns, all schedules, including Schedule C/K-1 schedules If applicable, are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/12/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Statement provided. - Due Diligence Vendor-03/09/2026 |
Business Tax Returns.pdf Exception Form.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7762874 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:37 | 2026-03-09 14:20 | Waived | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Waived-Waiver provided for signed business taxes. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please find the attached updated exception form. - Buyer-03/03/2026 Counter-Please provide updated exception form with approver listed. Condition remains. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. Please find attached exception form to waive signed business tax requirement. - Buyer-03/02/2026 Counter-Business Tax Returns: Lender guidelines require signed and dated borrower's copy filed with the IRS. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached tax returns and mortgage statement - Buyer-02/25/2026 Open-1) Lender Guidelines require evidence that the borrower has at least two consecutive years of self-employment operating the same business in the same location to demonstrate income stability. XXXX & XXXX personal tax returns, all schedules, including Schedule C/K-1 schedules If applicable, are missing from loan file. Additional conditions may apply. 2) Please provide most recent mortgage statement for subject property 1st lien. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Waived-Waiver provided for signed business taxes. - Due Diligence Vendor-03/09/2026 |
Mortgage Statement.pdf Business Tax Returns.pdf Exception Form.pdf |
CLTV 5% below maximum. DTI 5% below maximum Employment for an extended period at the same job |
CA | Primary Residence | Refinance | Cash Out - Other | 7763519 | Originator Pre-Close | Yes | ||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:31 | 2026-02-27 12:43 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Resolved - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Resolved-Resolved - Due Diligence Vendor-02/27/2026 |
Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7763432 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:31 | 2026-02-27 12:43 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Resolved-Resolved - Due Diligence Vendor-02/27/2026 |
Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7763431 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:31 | 2026-02-27 12:43 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Resolved-Resolved - Due Diligence Vendor-02/27/2026 |
Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7763430 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:18 | 2026-02-27 12:42 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/25/2026 Open-TRID: Missing Final Closing Disclosure Missing fully executed Final Closing Disclosure. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/27/2026 |
Final CD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7763136 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-01-06 11:18 | 2026-02-27 12:34 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Report for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached Title Report. - Buyer-02/25/2026 Open-Title Document is missing - Due Diligence Vendor-01/06/2026 |
The Title Document is missing from loan file. Additional conditions may apply. - 02/23/2026 |
Resolved-Received Title Report for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-02/27/2026 |
Title Report.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6938253 | N/A | N/A | ||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-01-06 11:18 | 2026-02-27 12:34 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached document - Buyer-02/25/2026 Open-Missing Evidence of Property Tax Evidence of property tax for subject property is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Received Tax Cert for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/27/2026 |
Tax Certificate.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 6938252 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:05 | 2026-02-27 12:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached VVOE signed and dated by [redacted] confirming that he verified business form https://bizfileonline.sos.ca.gov/search/business and screen shot of the same was provided in loan file. - Buyer-02/25/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Secretary of State website search is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-02/27/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7762873 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:05 | 2026-02-27 12:31 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached VVOE signed and dated by [redacted] confirming that he verified business form https://bizfileonline.sos.ca.gov/search/business and screen shot of the same was provided in loan file. - Buyer-02/25/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Secretary of State website search is not dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/27/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7762872 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:34 | 2026-02-27 11:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Trust Documentation | Resolved-Received Trust Documentation. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please find attached Trust Certificate and Re-affirmation letter(For trust cert more than 12 month). - Buyer-02/25/2026 Open-Missing Trust Documentation Lender guidelines require Trust Certificate/Documentation (valid for 12 months prior to Note Date). Documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Received Trust Documentation. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 |
Reaffrimation Letter.pdf Trust Certificate.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7763483 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:08 | 2026-02-27 11:58 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: NORTC Not Executed by one or more borrowers/vested parties | Resolved-Received fully executed NORTC. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached. - Buyer-02/25/2026 Open-TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. The TILA: Notice of Right to Cancel Not Executed by one or more borrowers/vested parties. Additional conditions may apply - Due Diligence Vendor-02/23/2026 |
Resolved-Received fully executed NORTC. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-TILA: Evidence of executed NORTC(s) provided - Due Diligence Vendor-02/27/2026 |
NORTC.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7762919 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:08 | 2026-02-27 11:58 | Resolved | 1 - Information | Compliance | Disclosure | Taxpayer Consent Form Missing | Resolved-Received fully executed Taxpayer consent form. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-Taxpayer Consent Form provided. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-Post XX/XX/XXXX, the required Taxpayer Consent Form is missing from the file. Taxpayer Consent Form is Not Executed. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Received fully executed Taxpayer consent form. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-Taxpayer Consent Form provided. - Due Diligence Vendor-02/27/2026 |
Tax consent form.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7762920 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 13:56 | 2026-02-27 11:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application - Not Executed | Resolved-Received fully executed Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-The Final 1003 is Executed - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-The Final 1003 is Not Executed Final 1003 is Not Executed. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Received fully executed Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-The Final 1003 is Executed - Due Diligence Vendor-02/27/2026 |
1003.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7762704 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 13:50 | 2026-02-27 11:53 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-Received fully executed Note for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-The Note is Executed - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-The Note is Not Executed. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Received fully executed Note for subject property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Resolved-The Note is Executed - Due Diligence Vendor-02/27/2026 |
Note.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7762608 | N/A | N/A | |||||
| 4736023 | XXXXXXX | XXXXXX | Closed | 2026-02-23 14:33 | 2026-02-27 11:50 | Resolved | 1 - Information | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Received fully executed Deed of Trust along with Rider for Subject Property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/25/2026 Open-Deed of Trust is Not Executed. Additional conditions may apply. - Due Diligence Vendor-02/23/2026 |
Resolved-Received fully executed Deed of Trust along with Rider for Subject Property. Condition status changed to Resolved. - Due Diligence Vendor-02/27/2026 |
DOT.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7763466 | N/A | N/A | |||||
| 9962617 | XXXXXXX | XXXXXX | Closed | 2026-01-06 06:32 | 2026-05-12 10:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please find attached Document. - Buyer-03/03/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Assets (listed on 1003) documentation are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/06/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/09/2026 |
Bank Statement.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 6930760 | N/A | N/A | |||||
| 9962617 | XXXXXXX | XXXXXX | Closed | 2026-01-07 00:49 | 2026-03-09 09:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waiver received to allow DTI to 50% - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. As per guideline 4-4-4: Loans exceeding the standard DTI threshold of 43% remain eligible up to a maximum DTI of 50%, subject to a documented DTI pricing adjustment. Please find the attached Rate lock and Pricing. This is HELOAN and using interest rate 8.375% per 3.0% Comp option and adjusted rate per attached matrix is 8.625% which is used to qualify. - Buyer-03/03/2026 Open-Audited DTI of 48.03% exceeds Guideline DTI of 43% The Audited DTI of 48.03% exceeds Guideline DTI of 43%. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 |
Waived-Waiver received to allow DTI to 50% - Due Diligence Vendor-03/09/2026 |
Product and Pricing.pdf Exception Form.pdf Guideline.pdf |
Employment for an extended period at the same job 36+ mo 0x30 housing payment history. |
CO | Primary Residence | Refinance | Cash Out - Other | 6951401 | Originator Pre-Close | Yes | ||||
| 9962617 | XXXXXXX | XXXXXX | Closed | 2026-03-02 10:55 | 2026-03-02 10:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7875468 | Investor Post-Close | No | ||||||
| 1400679 | XXXXXXX | XXXXXX | Closed | 2026-02-10 16:55 | 2026-02-10 16:56 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7547672 | Investor Post-Close | No | ||||||
| 3817927 | XXXXXXX | XXXXXX | Closed | 2026-01-28 08:01 | 2026-02-15 12:58 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-As per GL section 4-1-3, An attorney-in-fact may sign the note, as long as there is NO CASH-OUT from the subject transaction however transaction is cash out and attorney-in-fact has signed note. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/28/2026 |
Waived-As per GL section 4-1-3, An attorney-in-fact may sign the note, as long as there is NO CASH-OUT from the subject transaction however transaction is cash out and attorney-in-fact has signed note. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/28/2026 |
CLTV 15% or more under requirement 36+ Months 0x30 housing payment history |
GA | Primary Residence | Refinance | Cash Out - Other | 7327526 | Originator Pre-Close | Yes | |||||
| 8822737 | XXXXXXX | XXXXXX | Closed | 2026-01-26 08:48 | 2026-02-19 13:33 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/17/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/26/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/19/2026 |
E-consent.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7293638 | N/A | N/A | |||||
| 5472386 | XXXXXXX | XXXXXX | Closed | 2026-03-26 11:19 | 2026-05-12 10:00 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Documentation received. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached rent estimate. - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per lender guidelines, all of the following will be required where income is derived from the subject investment property: 1) Current lease agreement (in file), 2) The borrower's most recent year of signed federal tax returns, including Schedule 1 and Schedule E and (3) Rental estimate from a third party such as XXXXXXX, XXXXXXX, or similar (dated within 90 days). Rental estimate from a third party dated within 90 days is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/26/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Documentation received. - Due Diligence Vendor-03/31/2026 |
Rent Estimate.pdf | TX | Investment | Refinance | Cash Out - Other | 8337607 | N/A | N/A | |||||
| 5472386 | XXXXXXX | XXXXXX | Closed | 2026-03-26 11:30 | 2026-03-31 08:24 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Estimate received. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached rent estimate. - Buyer-03/30/2026 Open-Per lender guidelines, all of the following will be required where income is derived from the subject investment property: 1) Current lease agreement (in file), 2) The borrower's most recent year of signed federal tax returns, including Schedule 1 and Schedule E and (3) Rental estimate from a third party such as XXXXXXX, XXXXXXX, or similar (dated within 90 days). Rental estimate from a third party dated within 90 days is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/26/2026 |
Resolved-Estimate received. - Due Diligence Vendor-03/31/2026 |
Rent Estimate.pdf | TX | Investment | Refinance | Cash Out - Other | 8337829 | N/A | N/A | |||||
| 5472386 | XXXXXXX | XXXXXX | Closed | 2026-03-26 11:14 | 2026-03-26 11:14 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend LQI Expiration date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/26/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend LQI Expiration date. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/26/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. 3) No derogatory events. |
TX | Investment | Refinance | Cash Out - Other | 8337509 | Originator Pre-Close | Yes | |||||
| 5695315 | XXXXXXX | XXXXXX | Closed | 2026-03-04 13:53 | 2026-03-10 10:55 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached 12 month bank statements. - Buyer-03/05/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing income documentation for Self-Employment from the final 1003. The loan was qualified with 12 business bank statements. Bank Statements are missing from the loan file. - Due Diligence Vendor-03/04/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 |
Bank Statement.pdf | FL | Second Home | Refinance | Cash Out - Other | 7927623 | N/A | N/A | |||||
| 5695315 | XXXXXXX | XXXXXX | Closed | 2026-03-04 13:50 | 2026-03-10 10:53 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Bank statements received. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached 12 month bank statements. - Buyer-03/05/2026 Open-Missing income documentation for Self-Employment from the final 1003. The loan was qualified with 12 business bank statements. Bank Statements are missing from the loan file. - Due Diligence Vendor-03/04/2026 |
Resolved-Bank statements received. - Due Diligence Vendor-03/10/2026 |
Bank Statement.pdf | FL | Second Home | Refinance | Cash Out - Other | 7927558 | N/A | N/A | |||||
| 1491976 | XXXXXXX | XXXXXX | Closed | 2026-02-17 14:09 | 2026-05-14 07:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-Waiver received for CLTV to 85% - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please find the attached exception Form. - Buyer-02/18/2026 Open-Audited CLTV of 84.99% exceeds Guideline CLTV of 80% The Audited CLTV of 84.99% exceeds Guideline CLTV of 80%. Additional conditions may apply. - Due Diligence Vendor-02/17/2026 |
B2 income not used to qualify 36+ mo 0x30 housing payment history - 02/19/2026 |
Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-Waiver received for CLTV to 85% - Due Diligence Vendor-02/19/2026 |
exception form.pdf | Waiver received for CLTV to 85% B2 income not used to qualify 36+ mo 0x30 housing payment history |
WI | Primary Residence | Refinance | Cash Out - Other | 7661922 | Originator Pre-Close | Yes | |||
| 1491976 | XXXXXXX | XXXXXX | Closed | 2026-01-06 13:03 | 2026-02-17 13:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |
WI | Primary Residence | Refinance | Cash Out - Other | 6941271 | Investor Post-Close | No | ||||||
| 7936210 | XXXXXXX | XXXXXX | Closed | 2026-01-19 14:16 | 2026-02-19 13:23 | Resolved | 1 - Information | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. Please find attached - Buyer-02/17/2026 Open-Income 3 Months Income Verified is Missing Retirement Income $XXXX is used to qualify however the supporting document is missing to verify. - Due Diligence Vendor-01/19/2026 |
Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/19/2026 |
Pension income.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 7169708 | N/A | N/A | |||||
| 1545325 | XXXXXXX | XXXXXX | Closed | 2026-01-02 09:28 | 2026-01-12 07:19 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is N/A. - Due Diligence Vendor-01/02/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is N/A. - Due Diligence Vendor-01/02/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 6893443 | Investor Post-Close | No | ||||||
| 5310045 | XXXXXXX | XXXXXX | Closed | 2026-01-02 07:37 | 2026-01-06 12:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-01/02/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-01/02/2026 |
MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6891479 | Investor Post-Close | No | ||||||
| 9261145 | XXXXXXX | XXXXXX | Closed | 2026-02-03 15:15 | 2026-05-14 07:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 88.21% exceeds Guideline HCLTV of 80% Audited CLTV of 88.21% exceeds Guideline CLTV of 80% - Due Diligence Vendor-02/03/2026 | Waived-Audited HLTV of 88.21% exceeds Guideline HCLTV of 80% Audited CLTV of 88.21% exceeds Guideline CLTV of 80% - Due Diligence Vendor-02/03/2026 |
DTI <5% below the Maximum Qualifying | IA | Primary Residence | Refinance | Cash Out - Other | 7425935 | Originator Pre-Close | Yes | |||||
| 9261145 | XXXXXXX | XXXXXX | Closed | 2026-02-03 15:15 | 2026-05-14 07:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 88.21% exceeds Guideline CLTV of 80% 90 CLTV, full appraisal, under 43 DTI - Due Diligence Vendor-02/03/2026 | Waived-Audited CLTV of 88.21% exceeds Guideline CLTV of 80% 90 CLTV, full appraisal, under 43 DTI - Due Diligence Vendor-02/03/2026 |
DTI <5% below the Maximum Qualifying | IA | Primary Residence | Refinance | Cash Out - Other | 7425934 | Originator Pre-Close | Yes | |||||
| 9261145 | XXXXXXX | XXXXXX | Closed | 2026-02-03 11:34 | 2026-03-10 14:54 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Unable to Resolve-Lender provided documentation that current property is not owned by the co-borrower. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached document confirming co-borrower does not own the property. - Buyer-03/05/2026 Open-Co-Borrower present address status is reflecting as owned. However, there is no supporting document to verify current status and payments of the same property. - Due Diligence Vendor-02/03/2026 |
Resolved-Unable to Resolve-Lender provided documentation that current property is not owned by the co-borrower. - Due Diligence Vendor-03/10/2026 |
LOE Address.pdf Property Progile.pdf 1003.pdf |
IA | Primary Residence | Refinance | Cash Out - Other | 7421913 | N/A | N/A | |||||
| 8718229 | XXXXXXX | XXXXXX | Closed | 2026-01-13 16:15 | 2026-02-25 08:50 | Resolved | 1 - Information | Compliance | Fees:Limited | [redacted] - Maximum Fees Allowed (Starting Adjusted Rate and Bona Fide Decrease) | Resolved-Fees updated on LEs and CDs. XXXXXX re-run. Condition status changed to Resolved. - Due Diligence Vendor-02/25/2026 Resolved-Resolved - Due Diligence Vendor-02/25/2026 Ready for Review-Invalid Condition. There is no discount point charged on the file, neither any fee. Only fee charged to borrower is 2% origination fee - Buyer-02/24/2026 Open-The [redacted] Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) 2% of the discount points can only be excluded if they are bona fide and truly correspond to a reduced interest rate and are not necessary to originate, evaluate, maintain, record, insure, or service the equity loan. Provide evidence the discount points resulted in a reduced interest rate for the borrower. - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 |
Resolved-Fees updated on LEs and CDs. XXXXXX re-run. Condition status changed to Resolved. - Due Diligence Vendor-02/25/2026 Resolved-Resolved - Due Diligence Vendor-02/25/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7074856 | N/A | N/A | ||||||
| 8718229 | XXXXXXX | XXXXXX | Closed | 2026-01-13 16:15 | 2026-02-25 08:50 | Resolved | 1 - Information | Compliance | Enterprise:FeeLimits | ER - [redacted] Constitution 2% Fee Limit (Starting Adjusted Rate and Bona Fide Decrease) | Resolved-Fees updated on LEs and CDs. XXXXXX re-run. Condition status changed to Resolved. - Due Diligence Vendor-02/25/2026 Resolved-Resolved - Due Diligence Vendor-02/25/2026 Ready for Review-Invalid Condition. There is no discount point charged on the file, neither any fee. Only fee charged to borrower is 2% origination fee - Seller-02/24/2026 Open-The [redacted] Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) 2% of the discount points can only be excluded if they are bona fide and truly correspond to a reduced interest rate and are not necessary to originate, evaluate, maintain, record, insure, or service the equity loan. Provide evidence the discount points resulted in a reduced interest rate for the borrower. - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 |
Ready for Review-Invalid Condition. There is no discount point charged on the file, neither any fee. Only fee charged to borrower is 2% origination fee - Seller-02/24/2026 |
Resolved-Fees updated on LEs and CDs. XXXXXX re-run. Condition status changed to Resolved. - Due Diligence Vendor-02/25/2026 Resolved-Resolved - Due Diligence Vendor-02/25/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7074858 | N/A | N/A | |||||
| 3322291 | XXXXXXX | XXXXXX | Closed | 2026-04-01 15:14 | 2026-04-08 09:31 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend LQI Expiration date to 120 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/01/2026 | Waived-Borrower 2 Gap Credit Report is Missing Lender exception in file to extend LQI Expiration date to 120 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/01/2026 |
1) DTI <5% below the Maximum Qualifying. 2) Minimal debts / Revolving accounts. |
NJ | Primary Residence | Refinance | Cash Out - Other | 8438063 | Originator Pre-Close | Yes | |||||
| 3322291 | XXXXXXX | XXXXXX | Closed | 2026-04-01 15:14 | 2026-04-08 09:31 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend LQI Expiration date to 120 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/01/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to extend LQI Expiration date to 120 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/01/2026 |
1) DTI <5% below the Maximum Qualifying. 2) Minimal debts / Revolving accounts. |
NJ | Primary Residence | Refinance | Cash Out - Other | 8438062 | Originator Pre-Close | Yes | |||||
| 3322291 | XXXXXXX | XXXXXX | Closed | 2026-04-08 09:28 | 2026-04-08 09:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/08/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/08/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 8548438 | Investor Post-Close | No | ||||||
| 4400893 | XXXXXXX | XXXXXX | Closed | 2026-03-20 16:11 | 2026-03-27 09:07 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/20/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/20/2026 |
1.CLTV <5% below the Maximum Qualifying 2.Employment for an extended period at the same job: Years: 30 Months: 0 3.Income not used to qualify |
WA | Investment | Refinance | Cash Out - Other | 8249125 | Originator Pre-Close | Yes | |||||
| 9511422 | XXXXXXX | XXXXXX | Closed | 2026-01-26 07:09 | 2026-05-12 09:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/12/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided the VA Benefit letter. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VA Benefit Letter. - Buyer-03/06/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require Award letter or VA certificate of eligibility to document VA Benefits income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-01/26/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/12/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided the VA Benefit letter. - Due Diligence Vendor-03/10/2026 |
VA Benefit Letter.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7292081 | N/A | N/A | |||||
| 9511422 | XXXXXXX | XXXXXX | Closed | 2026-03-04 15:13 | 2026-03-10 15:21 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the VA benefit letter. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VA Benefit Letter. - Buyer-03/06/2026 Open-Lender guidelines require Award letter or VA certificate of eligibility to document VA Benefits income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided the VA benefit letter. - Due Diligence Vendor-03/10/2026 |
VA Benefit Letter.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7930125 | N/A | N/A | |||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-04-03 15:22 | 2026-04-07 14:25 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached lien termination document. All other 15 lien/judgments has release date listed. - Buyer-04/06/2026 Open-Lender guidelines require that judgments, property tax liens, and past-due income taxes must be fully satisfied at or before closing, regardless of the amount. Please provide documentation that supports the judgments/property tax liens listed on fraud report have been fully satisfied. Additional conditions may apply. - Due Diligence Vendor-04/03/2026 |
Resolved-Received - Due Diligence Vendor-04/07/2026 |
Lien Satisfaction Document.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8483231 | N/A | N/A | |||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-03-24 15:29 | 2026-04-03 15:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached documents. - Buyer-04/02/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing Business bank statements and supporting CPA letter. - Due Diligence Vendor-03/24/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
VVOE.pdf 12 Months Business Bank Statements.pdf |
KS | Primary Residence | Refinance | Cash Out - Other | 8299490 | N/A | N/A | |||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-03-24 14:50 | 2026-04-03 15:34 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Seller-04/02/2026 Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Seller-04/02/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 |
12 Months Business Bank Statements.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8298405 | N/A | N/A | ||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-03-18 08:24 | 2026-04-03 15:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached VVOE within 60 days of closing. - Buyer-04/02/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/18/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 |
VVOE.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8181576 | N/A | N/A | |||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-04-01 12:06 | 2026-04-03 15:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Received documentation supporting property tax amount (page 3 of trailing docs) for REO 3b listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached REO documents. Taxes considered from property detail report. - Seller-04/02/2026 Open-Evidence of property taxes for property REO1 stated in section 3b. on the final application not provided. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Please find attached REO documents. Taxes considered from property detail report. - Seller-04/02/2026 |
Resolved-Received documentation supporting property tax amount (page 3 of trailing docs) for REO 3b listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
REO Documents.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8433445 | N/A | N/A | ||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-04-01 12:04 | 2026-04-03 15:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for REO1 | Resolved-Received LOE stating investment property (REO 3b on 1003) does not have XXX dues. Finding status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached REO documents. - Seller-04/02/2026 Open-Missing Evidence of XXX Dues for REO1 listed on final application under 3b - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Please find attached REO documents. - Seller-04/02/2026 |
Resolved-Received LOE stating investment property (REO 3b on 1003) does not have XXX dues. Finding status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
REO Documents.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8433399 | N/A | N/A | ||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-04-01 12:08 | 2026-04-03 15:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Received LOE stating investment property (REO 3b on 1003) does not have hazard insurance. Finding status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached REO documents. - Seller-04/02/2026 Open-Missing Evidence of Insurance for property REO1 listed in 3b on final application - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Please find attached REO documents. - Seller-04/02/2026 |
Resolved-Received LOE stating investment property (REO 3b on 1003) does not have hazard insurance. Finding status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
REO Documents.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8433467 | N/A | N/A | ||||
| 2350090 | XXXXXXX | XXXXXX | Closed | 2026-03-24 15:35 | 2026-03-24 15:35 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 638 is less than Guideline FICO of 660 As per GL minimum fico 660 is required however Audited FICO of 638 and is less than guideline required fico. File included approved lender exception dated prior to close and adequate compensating factors and verified. - Due Diligence Vendor-03/24/2026 | Waived-Audited FICO of 638 is less than Guideline FICO of 660 As per GL minimum fico 660 is required however Audited FICO of 638 and is less than guideline required fico. File included approved lender exception dated prior to close and adequate compensating factors and verified. - Due Diligence Vendor-03/24/2026 |
DTI <5% below the Maximum Qualifying 36+ Months 0x30 housing payment history |
KS | Primary Residence | Refinance | Cash Out - Other | 8299623 | Originator Pre-Close | Yes | |||||
| 5420967 | XXXXXXX | XXXXXX | Closed | 2026-01-27 14:56 | 2026-03-05 08:22 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 73.46% exceeds Guideline HCLTV of 70% Guideline allow a Max HCLTV of 70% to allow DTI over 43% with a 670 FICO. The subject HCLTV is 73.46%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/27/2026 | Waived-Audited HLTV of 73.46% exceeds Guideline HCLTV of 70% Guideline allow a Max HCLTV of 70% to allow DTI over 43% with a 670 FICO. The subject HCLTV is 73.46%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/27/2026 |
36+ Months 0x30 housing payment history and Minimal debts / Revolving accounts | CO | Primary Residence | Refinance | Cash Out - Other | 7318907 | Originator Pre-Close | Yes | |||||
| 5420967 | XXXXXXX | XXXXXX | Closed | 2026-01-27 14:56 | 2026-03-05 08:21 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 73.46% exceeds Guideline CLTV of 70% Guideline allow a Max CLTV of 70% to allow DTI over 43% with a 670 FICO. The subject CLTV is 73.46%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/27/2026 | Waived-Audited CLTV of 73.46% exceeds Guideline CLTV of 70% Guideline allow a Max CLTV of 70% to allow DTI over 43% with a 670 FICO. The subject CLTV is 73.46%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/27/2026 |
36+ Months 0x30 housing payment history and Minimal debts / Revolving accounts | CO | Primary Residence | Refinance | Cash Out - Other | 7318906 | Originator Pre-Close | Yes | |||||
| 5792299 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:13 | 2026-03-10 15:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided updated documents removing undocumented debts. - Due Diligence Vendor-03/10/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached updated 1003 and 1008 removing liability 5 for borrower. - Buyer-03/06/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Liability 5 For borrower is not reflecting in credit report, hence required supporting document to verify payment and balance. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Resolved-The lender provided updated documents removing undocumented debts. - Due Diligence Vendor-03/10/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/10/2026 |
1008.pdf 1003.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 7941687 | N/A | N/A | |||||
| 5792299 | XXXXXXX | XXXXXX | Closed | 2026-02-04 13:57 | 2026-03-10 15:52 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided updated documents removing the undocumented debt. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached updated 1003 and 1008 removing liability 5 for borrower. - Buyer-03/06/2026 Open-Liability 5 For borrower is not reflecting in credit report, hence required supporting document to verify payment and balance. Additional conditions may apply. - Due Diligence Vendor-02/04/2026 |
Resolved-Lender provided updated documents removing the undocumented debt. - Due Diligence Vendor-03/10/2026 |
1008.pdf 1003.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 7447060 | N/A | N/A | |||||
| 1710390 | XXXXXXX | XXXXXX | Closed | 2026-01-27 08:39 | 2026-02-24 15:06 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.58% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Liability 17 with payment of $XXX is duplicate of liability 16 which is already paid through this transaction and therefore we do not need to consider payment of $XXX in DTI. Kindly find the attached screenshot. - Buyer-02/23/2026 Open-Audited DTI of 43.93% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/27/2026 |
Resolved-Audited DTI of 42.58% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-02/24/2026 |
Screenshot 2026-02-23 123421.png | CA | Primary Residence | Refinance | Cash Out - Other | 7310348 | N/A | N/A | |||||
| 9127139 | XXXXXXX | XXXXXX | Closed | 2026-03-18 09:25 | 2026-05-12 09:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please find attached Month-to-Month Lease Agreement. - Buyer-03/25/2026 Counter-Please provide current lease agreement as it is missing from loan file and lender guidelines require it when income is derived from the subject investment property. Received rent estimate and amended tax returns along with LOE from tax preparer. Condition remains. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please find attached tax returns and signed amended tax returns for XXXX & XXXX with letter from tax preparer for correction in rental property address. Also find attached rent estimate from XXXXXXX. - Buyer-03/19/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per lender guidelines, all of the following will be required where income is derived from the subject investment property: 1) Current lease agreement, 2) The borrower's most recent year of signed federal tax returns, including Schedule 1 and Schedule E and (3) Rental estimate from a third party such as XXXXXX, XXXXXX, or similar (dated within 90 days). Supporting documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/18/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/26/2026 |
LOE from Tax Preparer.pdf Signed Amended Tax Return.pdf Tax Returns.pdf Rent Estimate.pdf Month to Month Lease Agreement.pdf |
CA | Investment | Refinance | Cash Out - Other | 8183144 | N/A | N/A | |||||
| 9127139 | XXXXXXX | XXXXXX | Closed | 2026-03-18 09:33 | 2026-03-26 11:40 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lease received. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Please find attached Month-to-Month Lease Agreement. - Seller-03/25/2026 Counter-Please provide current lease agreement as it is missing from loan file and lender guidelines require it when income is derived from the subject investment property. Received rent estimate and amended tax returns along with LOE from tax preparer. Condition remains. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Also find attached rent estimate from XXXXXX. - Buyer-03/19/2026 Ready for Review-Document Uploaded. Please find attached tax returns and signed amended tax returns for XXXX & XXXX with letter from tax preparer for correction in rental property address. - Buyer-03/19/2026 Open-Per lender guidelines, all of the following will be required where income is derived from the subject investment property: 1) Current lease agreement, 2) The borrower's most recent year of signed federal tax returns, including Schedule 1 and Schedule E and (3) Rental estimate from a third party such as XXXXXX, XXXXXX, or similar (dated within 90 days). Supporting documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. Please find attached Month-to-Month Lease Agreement. - Seller-03/25/2026 |
Resolved-Lease received. - Due Diligence Vendor-03/26/2026 |
LOE from Tax Preparer.pdf Signed Amended Tax Return.pdf Tax Returns.pdf Rent Estimate.pdf Month to Month Lease Agreement.pdf |
CA | Investment | Refinance | Cash Out - Other | 8183345 | N/A | N/A | ||||
| 3695936 | XXXXXXX | XXXXXX | Closed | 2026-03-09 16:15 | 2026-03-13 11:02 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements. - Buyer-03/11/2026 Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-03/09/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 |
Bank Statements 12 Months.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 8006915 | N/A | N/A | |||||
| 8810529 | XXXXXXX | XXXXXX | Closed | 2026-03-18 16:40 | 2026-03-18 16:48 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 73.71% exceeds Guideline CLTV of 65% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/18/2026 | Waived-Audited CLTV of 73.71% exceeds Guideline CLTV of 65% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/18/2026 |
Employment for an extended period at the same job 39+ years. 36+ Months 0x30 housing payment history. | FL | Primary Residence | Refinance | Cash Out - Other | 8197593 | Originator Pre-Close | Yes | |||||
| 8810529 | XXXXXXX | XXXXXX | Closed | 2026-03-18 16:40 | 2026-03-18 16:47 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 73.71% exceeds Guideline HCLTV of 65% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/18/2026 | Waived-Audited HLTV of 73.71% exceeds Guideline HCLTV of 65% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/18/2026 |
Employment for an extended period at the same job 39+ years. 36+ Months 0x30 housing payment history. | FL | Primary Residence | Refinance | Cash Out - Other | 8197594 | Originator Pre-Close | Yes | |||||
| 3922141 | XXXXXXX | XXXXXX | Closed | 2026-02-01 03:20 | 2026-03-10 15:59 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Lender provided closing VVOE. - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. - Buyer-03/06/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a Verbal Verification of Employment within 10 business days of the note date. The VVOE in file for B2, dated XX/XX/XXXX, is > 10 business days from XX/XX/XXXX. - Due Diligence Vendor-02/01/2026 |
Resolved-Lender provided closing VVOE. - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/10/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7388506 | N/A | N/A | |||||
| 3922141 | XXXXXXX | XXXXXX | Closed | 2026-02-01 03:20 | 2026-03-10 15:59 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided closing VVOE. - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. - Buyer-03/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a Verbal Verification of Employment within 10 business days of the note date. The VVOE in file for B1, dated XX/XX/XXXX, is > 10 business days from XX/XX/XXXX. - Due Diligence Vendor-02/01/2026 |
Resolved-Lender provided closing VVOE. - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7388505 | N/A | N/A | |||||
| 5780323 | XXXXXXX | XXXXXX | Closed | 2026-02-06 15:45 | 2026-03-19 13:44 | Resolved | 1 - Information | Compliance | XXXXXX | AbilityToRepay: QMPointsAndFees | Resolved-Received the Final CD. Condition resolved. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Broker fee shows XXXX.XX on final CD. Final CD attached for your reference. Please waive the condition. - Buyer-03/17/2026 Counter-The lender XXXXXX report reflects a Broker fee of $XXXX.XX and Amount financed $XX,XXX. The Final CD Broker fee is $XXXX.XX and amount financed $XX,XXX. Provide the XXXXXX report with the correct final figures or the Final Closing disclosure that reflects the lender's XXXXXX figures. Condition remains. - Due Diligence Vendor-03/16/2026 Ready for Review-As per our XXXXXX the included charges are only Broker fee of X,XXX.XX and Origination Fee of $XXX.XX Also the threshold is also incorrect, it should be 5% of Amount Financed: $XX,XXX.XX = $X,XXX.XX Both Loan Fee and threshold are incorrect. Invalid condition - Buyer-03/12/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-02/06/2026 Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XX,XXX.XX and <$XX,XXX.XX) fee limit, which is 5% of the Total Loan Amount ($X,XX.XX), the difference is ($XX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-02/06/2026 Open- - Due Diligence Vendor-02/06/2026 |
Resolved-Received the Final CD. Condition resolved. - Due Diligence Vendor-03/19/2026 |
[redacted] final CD.pdf | CA | Investment | Refinance | Cash Out - Other | 7499531 | N/A | N/A | |||||
| 5481760 | XXXXXXX | XXXXXX | Closed | 2026-02-19 15:12 | 2026-03-10 10:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 47.59% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/19/2026 | Waived-Audited DTI of 47.59% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/19/2026 |
36+ Months 0x30 housing payment history. Minimal debts / Revolving accounts $XXX. | CA | Primary Residence | Refinance | Cash Out - Other | 7707395 | Originator Pre-Close | Yes | |||||
| 1547005 | XXXXXXX | XXXXXX | Closed | 2026-02-12 05:41 | 2026-03-10 11:16 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/21/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/21/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7577842 | Investor Post-Close | No | ||||||
| 7409697 | XXXXXXX | XXXXXX | Closed | 2026-03-30 12:12 | 2026-03-30 12:12 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 |
36+ Months 0x30 housing payment history: 64 mos review on 1st mortgage 97 on 2nd paying off. Minimal debts / Revolving accounts: XXX.XX |
MD | Primary Residence | Refinance | Cash Out - Other | 8388177 | Originator Pre-Close | Yes | |||||
| 5446117 | XXXXXXX | XXXXXX | Closed | 2026-01-27 06:12 | 2026-02-18 13:42 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waiver received for DTI 48.98 - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. Please find attached. - Buyer-02/17/2026 Open-Audited DTI of 48.98% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/28/2026 |
Waived-Waiver received for DTI 48.98 - Due Diligence Vendor-02/18/2026 |
Exception.pdf | 36+ mo 0x30 housing payment history Minimadebts No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7308203 | Originator Pre-Close | Yes | ||||
| 2021371 | XXXXXXX | XXXXXX | Closed | 2026-03-05 15:06 | 2026-03-10 15:28 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find the attached VVOE dated XX/XX/XXXX which is good till XX/XX/XXXX. Closing date is XX/XX/XXXX. - Buyer-03/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing The 3rd Party VOE is dated more than 10 days prior to Closing - Due Diligence Vendor-03/05/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2026 |
VVOE.pdf Date Calculator.pdf |
SC | Primary Residence | Refinance | Cash Out - Other | 7952849 | N/A | N/A | |||||
| 6370289 | XXXXXXX | XXXXXX | Closed | 2026-02-02 14:52 | 2026-05-12 09:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached bank statements - Seller-03/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Bank Statement Loan: Please provide missing business bank statements, all pages, for B1's business. We have XX/XXXX bank statement in file for XXXX XX XXXXXXX and XXXXX XXXXXXX, but we are missing the remaining bank statements from XX/XXXX through XX/XXXX. Additional conditions may apply. 2) Bank Statement Loan: Please provide missing business bank statements, all pages, for B2's business. We have XX/XXXX bank statement in file for XXXXX XXXXXXX, but we are missing the remaining bank statements from XX/XXXX through XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-02/02/2026 |
Ready for Review-Document Uploaded. Please find attached bank statements - Seller-03/09/2026 |
Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 |
Bank Statements.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7405309 | N/A | N/A | ||||
| 6370289 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:31 | 2026-05-12 09:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VOE. - Seller-03/09/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date for both borrowers. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. VVOE for both borrowers is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Please find attached VOE. - Seller-03/09/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/10/2026 |
VVOE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7957641 | N/A | N/A | ||||
| 6370289 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:41 | 2026-03-10 17:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached bank statements - Seller-03/09/2026 Open-1) Bank Statement Loan: Please provide missing business bank statements, all pages, for B1's business. We have XX/XXXX bank statement in file for XXXX XX XXXXXXX and XXXXX XXXXXXX, but we are missing the remaining bank statements from XX/XXXX through XX/XXXX. Additional conditions may apply. 2) Bank Statement Loan: Please provide missing business bank statements, all pages, for B2's business. We have XX/XXXX bank statement in file for XXXXX XXXXXXX, but we are missing the remaining bank statements from XX/XXXX through XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Please find attached bank statements - Seller-03/09/2026 |
Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 |
Bank Statements.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7957798 | N/A | N/A | ||||
| 6370289 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:30 | 2026-03-10 17:37 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VOE. - Seller-03/09/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. VVOE is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Please find attached VOE. - Seller-03/09/2026 |
Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/10/2026 |
VVOE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7957621 | N/A | N/A | ||||
| 6370289 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:30 | 2026-03-10 17:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached VOE. - Buyer-03/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. VVOE is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided missing business bank statements - Due Diligence Vendor-03/10/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2026 |
VVOE.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7957620 | N/A | N/A | |||||
| 6370289 | XXXXXXX | XXXXXX | Closed | 2026-02-08 12:23 | 2026-03-05 16:42 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Exception: LQI extension for 15 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/08/2026 | Waived-Borrower 1 Gap Credit Report is Missing Exception: LQI extension for 15 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/08/2026 |
1.CLTV <5% below the Maximum Qualifying 2.Employment for an extended period at the same job 3.36+ Months 0x30 housing payment history |
FL | Primary Residence | Refinance | Cash Out - Other | 7507119 | Originator Pre-Close | Yes | |||||
| 7065060 | XXXXXXX | XXXXXX | Closed | 2026-02-06 13:54 | 2026-03-16 14:08 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-03/12/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/06/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/16/2026 |
E-consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7497058 | N/A | N/A | |||||
| 7205927 | XXXXXXX | XXXXXX | Closed | 2026-02-01 00:14 | 2026-03-05 17:44 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.97% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-02/01/2026 |
Waived-Audited DTI of 46.97% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-02/01/2026 |
Borrower has with employer for 13 years. | WA | Primary Residence | Refinance | Cash Out - Other | 7388376 | Originator Pre-Close | Yes | |||||
| 8821726 | XXXXXXX | XXXXXX | Closed | 2026-03-27 09:34 | 2026-03-27 09:34 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/27/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/27/2026 |
36+ Months 0x30 housing payment history. Minimal debts / Revolving accounts. No derogatory events. | CO | Primary Residence | Refinance | Cash Out - Other | 8358777 | Originator Pre-Close | Yes | |||||
| 4703567 | XXXXXXX | XXXXXX | Closed | 2026-02-18 08:25 | 2026-02-20 14:30 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-Executed Note received. Condition resolved. - Due Diligence Vendor-02/20/2026 Resolved-The Note is Executed - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-02/19/2026 Open-The Note is Not Executed - Due Diligence Vendor-02/18/2026 |
Resolved-Executed Note received. Condition resolved. - Due Diligence Vendor-02/20/2026 Resolved-The Note is Executed - Due Diligence Vendor-02/20/2026 |
NOTE.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7675984 | N/A | N/A | |||||
| 1249176 | XXXXXXX | XXXXXX | Closed | 2026-02-02 12:23 | 2026-03-18 08:27 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Resolved-RESPA: Servicing Transfer Notice provided. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see attached document. Generally this condition is auto acknowledged, not sure why this is still open for this loan. Please waive. - Buyer-03/16/2026 Open-RESPA: Servicing Transfer Notice Missing. Servicing Transfer Notice Missing. - Due Diligence Vendor-02/02/2026 |
Resolved-RESPA: Servicing Transfer Notice provided. - Due Diligence Vendor-03/18/2026 |
XXXXX notice of servicing.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7402530 | N/A | N/A | |||||
| 9436766 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:24 | 2026-03-24 10:24 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Received E-Consent Documentation for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/24/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-03/19/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/18/2026 |
Resolved-Received E-Consent Documentation for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/24/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/24/2026 |
XXX e consent.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8187135 | N/A | N/A | |||||
| 4004292 | XXXXXXX | XXXXXX | Closed | 2026-02-10 09:09 | 2026-03-16 14:06 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-03/12/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/10/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/16/2026 |
E-consent.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7535909 | N/A | N/A | |||||
| 2133600 | XXXXXXX | XXXXXX | Closed | 2026-03-26 12:15 | 2026-03-26 12:15 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.33% exceeds Guideline DTI of 43% Lender exception in file for DTI over 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/26/2026 | Waived-Audited DTI of 48.33% exceeds Guideline DTI of 43% Lender exception in file for DTI over 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/26/2026 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. |
WA | Primary Residence | Refinance | Cash Out - Other | 8339522 | Originator Pre-Close | Yes | |||||
| 7848199 | XXXXXXX | XXXXXX | Closed | 2026-03-30 06:50 | 2026-03-30 06:50 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception for the credit report to go until 75 days with following compensation factors are being met. - Due Diligence Vendor-03/30/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender provided approved exception for the credit report to go until 75 days with following compensation factors are being met. - Due Diligence Vendor-03/30/2026 |
1.Employment for an extended period at the same job Income not used to qualify - Met 2.36+ Months 0x30 housing payment history - Met 3.No derogatory events - Met |
PA | Primary Residence | Refinance | Cash Out - Other | 8381005 | Originator Pre-Close | Yes | |||||
| 7848199 | XXXXXXX | XXXXXX | Closed | 2026-03-29 07:23 | 2026-03-29 07:37 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 46.75% exceeds Guideline DTI of 43% DTI exceed the GL limit of 43% , lender provided approved exception with compensating factors are being met . - Due Diligence Vendor-03/29/2026 | Waived-Audited DTI of 46.75% exceeds Guideline DTI of 43% DTI exceed the GL limit of 43% , lender provided approved exception with compensating factors are being met . - Due Diligence Vendor-03/29/2026 |
Compensating factors 1.Income not used to qualify 2.36+ Months 0x30 housing payment history 3.No derogatory events |
PA | Primary Residence | Refinance | Cash Out - Other | 8373360 | Originator Pre-Close | Yes | |||||
| 3095155 | XXXXXXX | XXXXXX | Closed | 2026-03-26 07:58 | 2026-03-31 11:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached VVOE. - Buyer-03/30/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 13 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-03/26/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/31/2026 |
VVOE.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 8332619 | N/A | N/A | |||||
| 3095155 | XXXXXXX | XXXXXX | Closed | 2026-02-20 11:24 | 2026-03-31 11:28 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached VVOE. - Buyer-03/30/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require employment to be confirmed/verified within 10 business days of Note Date. VVOE in file for B1 is dated 13 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/31/2026 |
VVOE.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7724764 | N/A | N/A | |||||
| 9204546 | XXXXXXX | XXXXXX | Closed | 2026-03-18 15:20 | 2026-03-18 15:29 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 8195053 | Investor Post-Close | No | ||||||
| 2087493 | XXXXXXX | XXXXXX | Closed | 2026-02-25 08:51 | 2026-04-01 12:05 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Required cash to close ($1,182.13) is less than 50% of the monthly qualifying income ($12,990.13). Per lender guidelines, it is assumed that the borrower has the income to cover the required cash to close. Finding status changed to Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached cash to close guideline. If funds are required to close the loan, borrowers must provide proof of funds if the amount is greater than 50% of the monthly qualifying income. Otherwise, we assume the borrower has the income to cover the required cash-to-close. Borrower income is $XX,XXX.XX, cash to close requirement is $1,182.13. No need to bring cash up to $X,XXX. - Buyer-03/31/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Per the final CD, the borrower had to bring $1182.13 to closing; no asset documentation in-file. - Due Diligence Vendor-02/25/2026 |
Resolved-Required cash to close ($1,182.13) is less than 50% of the monthly qualifying income ($XX,XXX.XX). Per lender guidelines, it is assumed that the borrower has the income to cover the required cash to close. Finding status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
Asset Requirement Guideline.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7797940 | N/A | N/A | |||||
| 9665342 | XXXXXXX | XXXXXX | Closed | 2026-02-20 09:16 | 2026-03-26 11:51 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Disbursement date is XX/XX/XXXX. Final SS attached. Please waive the condition. - Buyer-03/25/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of (XX/XX/XXXX) with an expiration date of (XX/XX/XXXX). The loan disbursed on (XX/XX/XXXX) per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Resolved-Resolved - Due Diligence Vendor-03/26/2026 |
XXXXXXXXX final ss.Pdf | CO | Primary Residence | Refinance | Cash Out - Other | 7720537 | N/A | N/A | |||||
| 6442661 | XXXXXXX | XXXXXX | Closed | 2026-03-20 13:46 | 2026-03-27 11:10 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 44.59% exceeds Guideline DTI of 43% Audited DTI of 44.59% exceeds Guideline DTI of 43%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-03/20/2026 |
Waived-Audited DTI of 44.59% exceeds Guideline DTI of 43% Audited DTI of 44.59% exceeds Guideline DTI of 43%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-03/20/2026 |
Credit Score >/= 10+ Points more than qualifying 36+ Months 0x30 housing payment history No derogatory events A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. |
CA | Primary Residence | Refinance | Cash Out - Other | 8245898 | Originator Pre-Close | Yes | |||||
| 6442661 | XXXXXXX | XXXXXX | Closed | 2026-02-25 11:40 | 2026-03-20 12:27 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/25/2026 |
Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/25/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7803579 | Investor Post-Close | No | ||||||
| 3614283 | XXXXXXX | XXXXXX | Closed | 2026-03-12 18:18 | 2026-05-12 09:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached income documentation and guideline. - Buyer-03/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing all income documentation - Due Diligence Vendor-03/12/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/17/2026 |
Income Documentation.pdf Other Income Guidline XX/XX/XXXX.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 8084107 | N/A | N/A | |||||
| 3614283 | XXXXXXX | XXXXXX | Closed | 2026-03-12 18:14 | 2026-05-12 06:55 | Resolved | 1 - Information | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached income documentation and guideline. - Seller-03/16/2026 Open-Income 1 Months Income Verified is Missing Missing Social Security Income documentation. - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document Uploaded. Please find attached income documentation and guideline. - Seller-03/16/2026 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 |
Other Income Guidline XX/XX/XXXX.pdf Income Documentation.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 8084085 | N/A | N/A | ||||
| 3614283 | XXXXXXX | XXXXXX | Closed | 2026-03-12 18:14 | 2026-05-12 06:55 | Resolved | 1 - Information | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached income documentation and guideline. - Buyer-03/16/2026 Open-Income 2 Months Income Verified is Missing Missing Social Security Income documentation. - Due Diligence Vendor-03/12/2026 |
Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 |
Income Documentation.pdf Other Income Guidline XX/XX/XXXX.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 8084086 | N/A | N/A | |||||
| 3614283 | XXXXXXX | XXXXXX | Closed | 2026-03-12 18:14 | 2026-05-12 06:55 | Resolved | 1 - Information | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached income documentation and guideline. - Buyer-03/16/2026 Open-Income 3 Months Income Verified is Missing Missing IRA Income documentation. - Due Diligence Vendor-03/12/2026 |
Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 |
Income Documentation.pdf Other Income Guidline XX/XX/XXXX.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 8084087 | N/A | N/A | |||||
| 3614283 | XXXXXXX | XXXXXX | Closed | 2026-03-12 18:14 | 2026-05-12 06:55 | Resolved | 1 - Information | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached income documentation and guideline. - Buyer-03/16/2026 Open-Income 4 Months Income Verified is Missing Missing Pension Income documentation. - Due Diligence Vendor-03/12/2026 |
Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/17/2026 |
Income Documentation.pdf Other Income Guidline XX/XX/XXXX.pdf |
IL | Primary Residence | Refinance | Cash Out - Other | 8084088 | N/A | N/A | |||||
| 8954730 | XXXXXXX | XXXXXX | Closed | 2026-01-31 12:59 | 2026-03-10 17:45 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the missing SSI and pension documents for both borrowers. - Due Diligence Vendor-03/10/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached income documentations - Buyer-03/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing documentation to validate income for both borrowers; SSI and Pension income for B1 and Pension income for B2. - Due Diligence Vendor-01/31/2026 |
Resolved-Lender provided the missing SSI and pension documents for both borrowers. - Due Diligence Vendor-03/10/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/10/2026 |
Income Documentations.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 7387926 | N/A | N/A | |||||
| 8954730 | XXXXXXX | XXXXXX | Closed | 2026-01-31 13:00 | 2026-03-10 17:44 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the missing SSI and pension documents for both borrowers. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Please find attached income documentations - Buyer-03/09/2026 Open-Missing documentation to validate income for both borrowers; SSI and Pension income for B1 and Pension income for B2. - Due Diligence Vendor-01/31/2026 |
Resolved-Lender provided the missing SSI and pension documents for both borrowers. - Due Diligence Vendor-03/10/2026 |
Income Documentations.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 7387928 | N/A | N/A | |||||
| 7854878 | XXXXXXX | XXXXXX | Closed | 2026-03-20 14:34 | 2026-04-01 11:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Received SSI Awards letter and VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached income documents. - Buyer-03/30/2026 Open-Income document missing for stated income VA Benefit $XXXX.XX & Social security $XXXX.XX in section 1e of Final 1003. - Due Diligence Vendor-03/20/2026 |
Resolved-Received SSI Awards letter and VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
Income Documents.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8247170 | N/A | N/A | |||||
| 7854878 | XXXXXXX | XXXXXX | Closed | 2026-03-20 14:29 | 2026-04-01 11:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received SSI Awards letter and VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached income documents. - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing retirement income documentation for Social Security and VA Comp. - Due Diligence Vendor-03/20/2026 |
Resolved-Received SSI Awards letter and VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/01/2026 |
Income Documents.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8247091 | N/A | N/A | |||||
| 6995254 | XXXXXXX | XXXXXX | Closed | 2026-02-16 13:26 | 2026-03-20 14:43 | Resolved | 1 - Information | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Resolved - Due Diligence Vendor-03/20/2026 Ready for Review-Verification fee is being reimbursed to broker. It is not a broker fee. See pg. # 1106. Condition status changed to Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Verification fee is being reimbursed to broker. It is not a broker fee. See pg. # 1106. Condition status changed to Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-This is not a high cost loan. The verification of employment fee is not a broker fee. It is being reimbursed to the broker and this should not be included in high cost calculation. Please waive the condition. - Buyer-03/18/2026 Open-You submitted a late fee amount of ($XX.XX) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)). Additional conditions may apply. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-03/17/2026 Open- - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Resolved-Resolved - Due Diligence Vendor-03/20/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7637930 | N/A | N/A | ||||||
| 6995254 | XXXXXXX | XXXXXX | Closed | 2026-02-16 13:26 | 2026-03-20 14:43 | Resolved | 1 - Information | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Resolved - Due Diligence Vendor-03/20/2026 Ready for Review-This is not a high cost loan. The verification of employment fee is not a broker fee. It is being reimbursed to the broker and this should not be included in high cost calculation. Please waive the condition. - Seller-03/18/2026 Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)). Additional conditions may apply. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-03/17/2026 Open- - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Ready for Review-This is not a high cost loan. The verification of employment fee is not a broker fee. It is being reimbursed to the broker and this should not be included in high cost calculation. Please waive the condition. - Seller-03/18/2026 |
Resolved-Resolved - Due Diligence Vendor-03/20/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7637932 | N/A | N/A | |||||
| 6995254 | XXXXXXX | XXXXXX | Closed | 2026-02-16 13:26 | 2026-03-20 14:43 | Resolved | 1 - Information | Compliance | XXXXXX | HighCost: APR/FEES | Resolved-Resolved - Due Diligence Vendor-03/20/2026 Ready for Review-Verification fee is being reimbursed to broker. It is not a broker fee. See pg. # 1106. Condition status changed to Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-The verification of employment fee is not a broker fee. It is being reimbursed to the broker and this should not be included in high cost calculation. Please waive the condition. - Seller-03/18/2026 Open-The loan fees exceed the Note Amount fee limit. The Verification of Employment fee was paid to the broker per the final CD. Please provide documentation that supports the actual payee. Compliance will be re-reviewed upon receipt. Additional conditions may apply. - Due Diligence Vendor-03/17/2026 Open-The loan fees ($X,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is 5% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.32). - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-03/17/2026 Open- - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Ready for Review-The verification of employment fee is not a broker fee. It is being reimbursed to the broker and this should not be included in high cost calculation. Please waive the condition. - Seller-03/18/2026 |
Resolved-Resolved - Due Diligence Vendor-03/20/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7637933 | N/A | N/A | |||||
| 2886630 | XXXXXXX | XXXXXX | Closed | 2026-03-26 14:12 | 2026-03-31 15:23 | Resolved | 1 - Information | Credit | Closing | Pending Valuation Review - Awaiting receipt of AVM | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached AVM. - Buyer-03/30/2026 Open-Subject's As-Is value has not been reviewed; Awaiting receipt of AVM. Please provide valuation listed on 1008 ($XXX,XXX) as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/26/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 |
AVM.pdf | NC | Primary Residence | Refinance | Cash Out - Other | 8343266 | N/A | N/A | |||||
| 7409859 | XXXXXXX | XXXXXX | Closed | 2026-03-17 13:50 | 2026-03-17 13:55 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due Diligence Vendor-03/17/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-03/17/2026 Open- - Due Diligence Vendor-03/17/2026 |
Resolved-Resolved - Due Diligence Vendor-03/17/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8161182 | N/A | N/A | ||||||
| 7409859 | XXXXXXX | XXXXXX | Closed | 2026-03-17 13:50 | 2026-03-17 13:55 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due Diligence Vendor-03/17/2026 Acknowledged-Acknowledged - Due Diligence Vendor-03/17/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-03/17/2026 Open- - Due Diligence Vendor-03/17/2026 |
Acknowledged-Acknowledged - Due Diligence Vendor-03/17/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8161181 | Investor Post-Close | No | ||||||
| 7409859 | XXXXXXX | XXXXXX | Closed | 2026-02-06 11:23 | 2026-03-17 13:51 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-FSS received. - Due Diligence Vendor-03/17/2026 Resolved- - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/16/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. - Due Diligence Vendor-02/06/2026 Open- - Due Diligence Vendor-02/06/2026 Open- - Due Diligence Vendor-02/06/2026 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/16/2026 |
Resolved-FSS received. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXX FSS.pdf XXXXXXXXX NRTC.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7492616 | N/A | N/A | ||||
| 4657484 | XXXXXXX | XXXXXX | Closed | 2026-02-23 08:39 | 2026-03-31 10:24 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months), Business Narrative and CPA Letter. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached income documents - Buyer-03/30/2026 Open-Borrower 1 Business Bank Statements Missing Bank Statement is Missing in File - Due Diligence Vendor-02/23/2026 |
Resolved-Received business bank statements (12 months), Business Narrative and CPA Letter. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/31/2026 |
Business Narative.pdf Income Document.pdf Bank Statements.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7753490 | N/A | N/A | |||||
| 9034736 | XXXXXXX | XXXXXX | Closed | 2026-02-17 13:50 | 2026-03-17 09:37 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 received - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached transmittal summary(1008). - Buyer-03/16/2026 Open-Missing Approval/Underwriting Summary 1008 is missing. - Due Diligence Vendor-02/17/2026 |
Resolved-1008 received - Due Diligence Vendor-03/17/2026 |
1008.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7661517 | N/A | N/A | |||||
| 9034736 | XXXXXXX | XXXXXX | Closed | 2026-03-13 14:32 | 2026-03-17 09:34 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(f)(2) Violation: Home Equity Refinance Disclosure is missing | Resolved-TX 50(f)(2) Violation: Home Equity Refinance Disclosure is present. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-03/16/2026 Open-TX 50(f)(2) Violation: Home Equity Refinance Disclosure is missing. - Due Diligence Vendor-03/13/2026 |
Resolved-TX 50(f)(2) Violation: Home Equity Refinance Disclosure is present. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXX notice.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 8104399 | N/A | N/A | |||||
| 7922324 | XXXXXXX | XXXXXX | Closed | 2026-03-30 13:09 | 2026-05-12 09:38 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. Received Annuity statement for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Seller-03/31/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing income documentation for VA Benefits and Pension used in qualification. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. Please find attached Income documentation. - Seller-03/31/2026 |
Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. Received Annuity statement for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 |
Income Documentation.pdf | OR | Investment | Refinance | Cash Out - Other | 8390078 | N/A | N/A | ||||
| 7922324 | XXXXXXX | XXXXXX | Closed | 2026-03-30 13:01 | 2026-03-31 14:09 | Resolved | 1 - Information | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received Annuity statement for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Seller-03/31/2026 Open-Income 2 Months Income Verified is Missing Missing verification of Pension income used in qualification. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. Please find attached Income documentation. - Seller-03/31/2026 |
Resolved-Received Annuity statement for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/31/2026 |
Income Documentation.pdf | OR | Investment | Refinance | Cash Out - Other | 8389864 | N/A | N/A | ||||
| 7922324 | XXXXXXX | XXXXXX | Closed | 2026-03-30 13:01 | 2026-03-31 14:09 | Resolved | 1 - Information | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Seller-03/31/2026 Open-Income 1 Months Income Verified is Missing Missing verification of VA Benefit income used in qualification. - Due Diligence Vendor-03/30/2026 |
Ready for Review-Document Uploaded. Please find attached Income documentation. - Seller-03/31/2026 |
Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/31/2026 |
Income Documentation.pdf | OR | Investment | Refinance | Cash Out - Other | 8389863 | N/A | N/A | ||||
| 8861331 | XXXXXXX | XXXXXX | Closed | 2026-03-19 14:27 | 2026-03-19 14:27 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go to 90 days for credit report expiration without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/19/2026 | Waived-Borrower 1 Gap Credit Report is Missing Lender exception in file to go to 90 days for credit report expiration without an LQI report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/19/2026 |
1) FICO 10 points above requirement. 2) Minimal revolving debt. |
CA | Primary Residence | Refinance | Cash Out - Other | 8221893 | Originator Pre-Close | Yes | |||||
| 6829277 | XXXXXXX | XXXXXX | Closed | 2026-03-23 13:44 | 2026-03-31 14:45 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received VA Certificate of Eligibility for B1. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached Income documents(Disability) - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing Disability supporting income documentation - Due Diligence Vendor-03/23/2026 |
Resolved-Received VA Certificate of Eligibility for B1. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 |
Income Document.pdf Income Doc.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8270755 | N/A | N/A | |||||
| 6829277 | XXXXXXX | XXXXXX | Closed | 2026-02-25 14:14 | 2026-03-31 14:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Received VA Certificate of Eligibility for B1. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached Income documents(Disability) - Buyer-03/30/2026 Open-Supporting document missing for Borrower 2 - Additional Income (Disability doc) - Due Diligence Vendor-02/25/2026 |
Resolved-Received VA Certificate of Eligibility for B1. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 |
Income Document.pdf Income Doc.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7808548 | N/A | N/A | |||||
| 4521562 | XXXXXXX | XXXXXX | Closed | 2026-02-26 09:44 | 2026-04-01 09:48 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received PCCD. Updated LM and re-ran compliance. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Resolved - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. PCCD attached. Please waive the condition - Buyer-03/31/2026 Counter-Document provided is an unsigned Estimated settlement statement. Condition cannot be waived. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Funding date is XX/XX/XXXX. Please waive the condition. - Buyer-03/26/2026 Open- - Due Diligence Vendor-02/26/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-02/26/2026 Open- - Due Diligence Vendor-02/26/2026 |
Resolved-Received PCCD. Updated LM and re-ran compliance. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Resolved - Due Diligence Vendor-04/01/2026 |
XXXXXXXXX SS.pdf XXXXXXXXX pccd.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7822970 | N/A | N/A | |||||
| 2089692 | XXXXXXX | XXXXXX | Closed | 2026-02-13 00:52 | 2026-03-13 17:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7600435 | Investor Post-Close | No | ||||||
| 4852006 | XXXXXXX | XXXXXX | Closed | 2026-03-05 06:49 | 2026-04-02 10:23 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please find attached business search with active status from Secretary of State website. - Seller-04/01/2026 Counter-Unable to use business bank statement for 3rd Party VVOE. Lender guidelines require borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Condition remains. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached business bank statement and recent invoice to verify existence of business within 60 days of closing. - Buyer-03/30/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lenders Guidelines requirement for Self-Employed Borrowers to verify the existence of the borrower’s business through a third-party source within sixty days of the Mortgage Note date for self-employment income. The documentation provided is greater than 60 days. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Please find attached business search with active status from Secretary of State website. - Seller-04/01/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2026 |
Business Invoice.pdf Bussiness Bank Statement XX/XX/XXXX.pdf VVOE.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7939714 | N/A | N/A | ||||
| 4852006 | XXXXXXX | XXXXXX | Closed | 2026-03-05 06:49 | 2026-04-02 10:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/02/2026 Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements. - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing 12 months Business Bank Statements. - Due Diligence Vendor-03/05/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/02/2026 Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 |
Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7939715 | N/A | N/A | |||||
| 4852006 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:23 | 2026-04-02 10:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/31/2026 Ready for Review-Received solar documentation detailing terms of the XXXXX payment. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached solar agreement to verify terms. - Buyer-03/30/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Lenders Guidelines required the terms of the solar agreement which are required to document the payment to include in the DTI. - Due Diligence Vendor-03/05/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/31/2026 |
XXXXXXXXX Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7941935 | N/A | N/A | |||||
| 4852006 | XXXXXXX | XXXXXX | Closed | 2026-03-26 10:47 | 2026-04-02 10:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-03/31/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached solar agreement to verify terms. - Seller-03/30/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Lenders Guidelines required the terms of the solar agreement which are required to document the payment to include in the DTI. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Please find attached XXXXX agreement to verify terms. - Seller-03/30/2026 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-03/31/2026 |
XXXXXXXXX Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8336868 | N/A | N/A | ||||
| 4852006 | XXXXXXX | XXXXXX | Closed | 2026-03-26 09:39 | 2026-04-02 10:21 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/02/2026 Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached business bank statements. - Seller-03/30/2026 Open-Borrower 1 Business Bank Statements Missing Missing 12 months Business Bank Statements. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Please find attached business bank statements. - Seller-03/30/2026 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/02/2026 Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 |
Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8335035 | N/A | N/A | ||||
| 4852006 | XXXXXXX | XXXXXX | Closed | 2026-02-20 11:57 | 2026-03-31 12:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received solar documentation detailing terms of the solar payment. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached solar documentation to verify terms. - Seller-03/30/2026 Open-Lenders Guidelines required the terms of the solar agreement which are required to document the payment to include in the DTI. - Due Diligence Vendor-02/20/2026 |
Ready for Review-Document Uploaded. Please find attached solar documentation to verify terms. - Seller-03/30/2026 |
Resolved-Received solar documentation detailing terms of the solar payment. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 |
Solar Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7725782 | N/A | N/A | ||||
| 2741758 | XXXXXXX | XXXXXX | Closed | 2026-03-26 14:39 | 2026-03-31 15:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached business bank statements. - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Bank Statement loan: Business bank statements missing from loan file. Please provide 12 months of business bank statements from 1/1/2025 to 12/31/2025. Additional conditions may apply. - Due Diligence Vendor-03/26/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/31/2026 |
Business Bank Statements.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8344866 | N/A | N/A | |||||
| 2741758 | XXXXXXX | XXXXXX | Closed | 2026-02-25 07:58 | 2026-03-31 15:08 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached business bank statements. - Buyer-03/30/2026 Open-Borrower 1 Business Bank Statements Missing Bank Statement loan: Business bank statements missing from loan file. Please provide 12 months of business bank statements from 1/1/2025 to 12/31/2025. Additional conditions may apply. - Due Diligence Vendor-02/25/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/31/2026 |
Business Bank Statements.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 7796358 | N/A | N/A | |||||
| 8931174 | XXXXXXX | XXXXXX | Closed | 2026-03-26 13:12 | 2026-04-09 13:37 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. Funding date is XX/XX/XXXX. Please see attached final SS. - Buyer-04/06/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-04/02/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 |
Resolved-Resolved - Due Diligence Vendor-04/09/2026 |
XXXXXXXXX final ss.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 8341367 | N/A | N/A | |||||
| 9635645 | XXXXXXX | XXXXXX | Closed | 2026-02-20 13:12 | 2026-03-25 09:10 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7727497 | Investor Post-Close | No | ||||||
| 5933938 | XXXXXXX | XXXXXX | Closed | 2026-03-26 14:44 | 2026-04-01 11:18 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Required documentation received. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Monthly Taxes were calculated from mortgage insurance escrowed amount by deducting monthly HOI payment. Taxes can also be considered from property profile and fraud report. - Buyer-03/30/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-03/26/2026 |
Resolved-Required documentation received. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/01/2026 |
Insurance.pdf Mortgage Statement.pdf Fraud.pdf Property Profile.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 8345132 | N/A | N/A | |||||
| 5933938 | XXXXXXX | XXXXXX | Closed | 2026-02-25 12:30 | 2026-04-01 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Required documentation received. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Monthly Taxes were calculated from mortgage insurance escrowed amount by deducting monthly HOI payment. Taxes can also be considered from property profile and fraud report. - Buyer-03/30/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-02/25/2026 |
Resolved-Required documentation received. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 |
Mortgage Statement.pdf Property Profile.pdf Fraud.pdf Insurance.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 7804963 | N/A | N/A | |||||
| 6113598 | XXXXXXX | XXXXXX | Closed | 2026-03-28 12:54 | 2026-03-28 12:54 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 77.55% exceeds Guideline CLTV of 75% Lender exception in file for DTI over 43% and CLTV to 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/28/2026 | Waived-Audited CLTV of 77.55% exceeds Guideline CLTV of 75% Lender exception in file for DTI over 43% and CLTV to 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/28/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
WA | Primary Residence | Refinance | Cash Out - Other | 8372624 | Originator Pre-Close | Yes | |||||
| 6113598 | XXXXXXX | XXXXXX | Closed | 2026-03-28 12:54 | 2026-03-28 12:54 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.46% exceeds Guideline DTI of 43% Lender exception in file for DTI over 43% and CLTV to 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/28/2026 | Waived-Audited DTI of 49.46% exceeds Guideline DTI of 43% Lender exception in file for DTI over 43% and CLTV to 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/28/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
WA | Primary Residence | Refinance | Cash Out - Other | 8372625 | Originator Pre-Close | Yes | |||||
| 2095468 | XXXXXXX | XXXXXX | Closed | 2026-02-23 13:15 | 2026-03-26 18:10 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 84.63% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 | Waived-Audited CLTV of 84.63% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 |
Credit Score>/= 10+ Points more than qualifying. Minimal debts/ Revolving accounts. | UT | Primary Residence | Refinance | Cash Out - Other | 7761752 | Originator Pre-Close | Yes | |||||
| 2095468 | XXXXXXX | XXXXXX | Closed | 2026-02-23 13:15 | 2026-03-26 18:10 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 84.63% exceeds Guideline HCLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 | Waived-Audited HLTV of 84.63% exceeds Guideline HCLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 |
Credit Score>/= 10+ Points more than qualifying. Minimal debts/ Revolving accounts. | UT | Primary Residence | Refinance | Cash Out - Other | 7761753 | Originator Pre-Close | Yes | |||||
| 6771027 | XXXXXXX | XXXXXX | Closed | 2026-03-28 10:04 | 2026-04-01 12:33 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM - Buyer-03/31/2026 Open-Appraisal or other primary valuation product is missing Missing appraisal reflecting a value of $XXX,XXX.XX - Due Diligence Vendor-03/28/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8372356 | N/A | N/A | |||||
| 3906263 | XXXXXXX | XXXXXX | Closed | 2026-03-28 08:59 | 2026-03-31 14:55 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached original AVM used in qualification. - Buyer-03/31/2026 Open-Appraisal or other primary valuation product is missing The value reflected on the 1008 is $XXXX; the value reflected on the AVM in-file is $XXX,XXX.XX. Provide a legible copy of the valuation used in qualification. - Due Diligence Vendor-03/28/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-03/31/2026 |
AVM.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 8372236 | N/A | N/A | |||||
| 1477043 | XXXXXXX | XXXXXX | Closed | 2026-03-17 14:31 | 2026-04-03 12:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached income documentation with 12 month bank statement from which income has been calculated. Also find attached 1008 confirming this is an Bank Statement loan. - Buyer-03/31/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements income documents is missing - Due Diligence Vendor-03/17/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
1008.pdf Income Documentation.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8162340 | N/A | N/A | |||||
| 1477043 | XXXXXXX | XXXXXX | Closed | 2026-03-17 14:11 | 2026-04-03 12:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached income documentation with 12 month bank statement from which income has been calculated. Also find attached 1008 confirming this is an Bank Statement loan. - Buyer-03/31/2026 Open-Missing B1 income documentation, missing two-year Personal tax return for Schedule C income. Additional conditions may apply. - Due Diligence Vendor-03/30/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
Income Documentation.pdf 1008.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8161852 | N/A | N/A | |||||
| 4975770 | XXXXXXX | XXXXXX | Closed | 2026-03-25 15:32 | 2026-03-25 15:32 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to It is a barndominium per exception form.. Lender exception in file for ineligible property type. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/25/2026 | Waived-Property type is ineligible due to It is a barndominium per exception form.. Lender exception in file for ineligible property type. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/25/2026 |
1) DTI <5% below the Maximum Qualifying. 2) 36+ Months 0x30 housing payment history. 3) No derogatory events. |
TX | Primary Residence | Refinance | Cash Out - Other | 8320347 | Originator Pre-Close | Yes | |||||
| 7634416 | XXXXXXX | XXXXXX | Closed | 2026-03-31 12:26 | 2026-04-02 14:34 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. LM updated and compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Resolved - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please see attached COC form disclosed. - Buyer-04/02/2026 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX.XX) 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. COC missing in file for document preparation fee - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 |
Resolved-Received COC. LM updated and compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Resolved - Due Diligence Vendor-04/02/2026 |
COC FORM XXXXXXXXX.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8410234 | N/A | N/A | |||||
| 7634416 | XXXXXXX | XXXXXX | Closed | 2026-03-31 12:26 | 2026-04-02 14:34 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COC. LM updated and compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Resolved - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please see attached COC form disclosed. - Seller-04/02/2026 Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing in file for document preparation fee - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. Please see attached COC form disclosed. - Seller-04/02/2026 |
Resolved-Received COC. LM updated and compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Resolved - Due Diligence Vendor-04/02/2026 |
COC FORM XXXXXXXXX.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8410235 | N/A | N/A | ||||
| 7634416 | XXXXXXX | XXXXXX | Closed | 2026-03-31 13:47 | 2026-04-02 14:27 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please find attached AVM used for qualification - Seller-04/01/2026 Open-Appraisal or other primary valuation product is missing The value on the 1008 is $XXX,XXX; the value on the AVM is $XXX,XXX. Provide a legible copy of the valuation used in qualification. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document Uploaded. Please find attached AVM used for qualification - Seller-04/01/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/02/2026 |
AVM.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8412004 | N/A | N/A | ||||
| 4272348 | XXXXXXX | XXXXXX | Closed | 2026-03-29 06:48 | 2026-04-02 09:01 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.17% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. As per guideline 4-4-4: Loans exceeding the standard DTI threshold of 43% remain eligible up to a maximum DTI of 50%, subject to a documented DTI pricing adjustment. Please find the attached Rate lock and Pricing. This is HELOAN and using interest rate 8.250% per Default option and adjusted rate per attached matrix is 8.675% which is used to qualify. 1008 also reflect comment for the same. - Buyer-03/31/2026 Open-Audited DTI of 49.17% exceeds Guideline DTI of 43% Per guidelines, the maximum DTI for 80% with a FICO of 700 is 43%. No approved exception in-file. - Due Diligence Vendor-03/29/2026 |
Resolved-Audited DTI of 49.17% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/02/2026 |
1008.pdf Product and Pricing.pdf Guideline for Adjusted Rate.pdf Screenshot XX/XX/XXXX XXXXXXX.png |
CA | Primary Residence | Refinance | Cash Out - Other | 8373082 | N/A | N/A | |||||
| 1161243 | XXXXXXX | XXXXXX | Closed | 2026-03-06 07:59 | 2026-04-01 14:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Received requested documentation for IRA used in qualifying. Condition changed to Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached income documentation - Buyer-03/31/2026 Open-Provide the most recent asset documentation to confirm the $XX,XXX.XX used in qualification. - Due Diligence Vendor-03/06/2026 |
Resolved-Received requested documentation for IRA used in qualifying. Condition changed to Resolved. - Due Diligence Vendor-04/01/2026 |
Income Documentation.pdf | SC | Primary Residence | Refinance | Cash Out - Other | 7969742 | N/A | N/A | |||||
| 3005074 | XXXXXXX | XXXXXX | Closed | 2026-04-01 09:05 | 2026-04-06 08:17 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/03/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Bank Statement loan: business bank statements missing from loan file. Please provide 12 months of business bank statements from XX/XX/XXXX to XX/XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-04/01/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | ID | Primary Residence | Refinance | Cash Out - Other | 8427164 | N/A | N/A | |||||
| 3005074 | XXXXXXX | XXXXXX | Closed | 2026-03-18 05:38 | 2026-04-06 08:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/03/2026 Open-Borrower 1 Business Bank Statements Missing Bank Statement loan: business bank statements missing from loan file. Please provide 12 months of business bank statements from XX/XX/XXXX to XX/XX/XXXX. Additional conditions may apply. - Due Diligence Vendor-03/30/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | ID | Primary Residence | Refinance | Cash Out - Other | 8178250 | N/A | N/A | |||||
| 2159863 | XXXXXXX | XXXXXX | Closed | 2026-02-20 09:36 | 2026-05-12 08:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please find attached income documentation. - Buyer-03/26/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require one of the following to document wage earner income: Paystubs with a minimum of 30 days YTD earnings and IRS W-2 forms covering the most recent 2-year period, Transcripts covering the most recent 2-year period or a WVOE. For bonus income, a WVOE or the most recent paystub and two years of W-2s is required. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/27/2026 |
Income Documentation.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 7721271 | N/A | N/A | |||||
| 2159863 | XXXXXXX | XXXXXX | Closed | 2026-03-25 10:47 | 2026-03-27 14:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please find attached income documentation. - Buyer-03/26/2026 Open-Lender guidelines require one of the following to document wage earner income: Paystubs with a minimum of 30 days YTD earnings and IRS W-2 forms covering the most recent 2-year period, Transcripts covering the most recent 2-year period or a WVOE. For bonus income, a WVOE or the most recent paystub and two years of W-2s is required. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/25/2026 |
Resolved-Received - Due Diligence Vendor-03/27/2026 |
Income Documentation.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8314157 | N/A | N/A | |||||
| 7384466 | XXXXXXX | XXXXXX | Closed | 2026-04-09 09:16 | 2026-04-13 12:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. Employment reverified on XX/XX/XXXX by processor. Please find comment on the VVOE. - Seller-04/10/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements B1: Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for borrower for job 1 was completed 14 business days prior to Note Date. VVOE in file for borrower for job 2 was completed 14 business days prior to Note Date. Additional conditions may apply. B2: Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for B2 was completed 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please find attached VVOE's. Employment reverified on XX/XX/XXXX by processor. Please find comment on the VVOE. - Seller-04/10/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/13/2026 |
VVOEs.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8574454 | N/A | N/A | ||||
| 7384466 | XXXXXXX | XXXXXX | Closed | 2026-04-09 09:16 | 2026-04-13 12:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. Employment reverified on XX/XX/XXXX by processor. Please find comment on the VVOE. - Seller-04/10/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for B2 was completed 12 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please find attached VVOE's. Employment reverified on XX/XX/XXXX by processor. Please find comment on the VVOE. - Seller-04/10/2026 |
Resolved-Received VVOE for B2 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/13/2026 |
VVOEs.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8574453 | N/A | N/A | ||||
| 7384466 | XXXXXXX | XXXXXX | Closed | 2026-04-09 09:16 | 2026-04-13 12:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. Employment reverified on XX/XX/XXXX by processor. Please find comment on the VVOE. - Seller-04/10/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Lender guidelines require verbal verification to be completed within 10 business days of Note Date. VVOE in file for borrower for job 1 was completed 14 business days prior to Note Date. VVOE in file for borrower for job 2 was completed 14 business days prior to Note Date. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document Uploaded. Please find attached VVOE's. Employment reverified on XX/XX/XXXX by processor. Please find comment on the VVOE. - Seller-04/10/2026 |
Resolved-Received VVOE for B1 dated after closing. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/13/2026 |
VVOEs.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8574452 | N/A | N/A | ||||
| 1309384 | XXXXXXX | XXXXXX | Closed | 2026-04-01 07:44 | 2026-04-03 09:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements. - Buyer-04/02/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing 12 months of bank statements used for qualifying. - Due Diligence Vendor-04/01/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
12 Months Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8424832 | N/A | N/A | |||||
| 1309384 | XXXXXXX | XXXXXX | Closed | 2026-03-16 08:46 | 2026-04-03 09:22 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements. - Buyer-04/02/2026 Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-03/16/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 |
12 Months Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8125083 | N/A | N/A | |||||
| 6995413 | XXXXXXX | XXXXXX | Closed | 2026-03-27 14:36 | 2026-04-01 10:48 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-LM updated. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited CLTV of 64.84% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM. - Buyer-03/30/2026 Open-Audited CLTV of 66.68% exceeds Guideline CLTV of 65% Pending valuation listed on 1008 ($XXX,XXX) to be provided. Additional conditions may apply - Due Diligence Vendor-03/27/2026 |
Resolved-LM updated. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited CLTV of 64.84% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-04/01/2026 |
AVM.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8366612 | N/A | N/A | |||||
| 6995413 | XXXXXXX | XXXXXX | Closed | 2026-03-27 14:32 | 2026-04-01 10:47 | Resolved | 1 - Information | Credit | Closing | Pending Valuation Review - Awaiting receipt of AVM | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM. - Buyer-03/30/2026 Open-Subject's As-Is value has not been reviewed; Awaiting receipt of AVM. Please provide valuation listed on 1008 ($XXX,XXX) as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/27/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
AVM.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8366575 | N/A | N/A | |||||
| 2199083 | XXXXXXX | XXXXXX | Closed | 2026-02-20 05:22 | 2026-03-23 15:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/26/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/26/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7714789 | Investor Post-Close | No | ||||||
| 1978996 | XXXXXXX | XXXXXX | Closed | 2026-06-11 09:55 | 2026-07-02 15:36 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the Lease agreement - Due Diligence Vendor-06/16/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please find attached lease agreements for property listed on 3b of final application. - Buyer-06/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing lease agreement for property 3b listed on the final loan application. - Due Diligence Vendor-06/11/2026 |
Resolved-Lender provided the Lease agreement - Due Diligence Vendor-06/16/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/16/2026 |
Lease Agreement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9689496 | N/A | N/A | |||||
| 1978996 | XXXXXXX | XXXXXX | Closed | 2026-06-15 09:53 | 2026-07-02 15:36 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Lender provided the VVOE for borrower 2 - Due Diligence Vendor-06/16/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Borrower is driver and works independently with XXXX and XXXXX XXX. Please find attached receipt of the income from both business XXXX and XXXXX XXX within 60 days of Note date confirming existence of the business. - Buyer-06/16/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-06/15/2026 |
Resolved-Lender provided the VVOE for borrower 2 - Due Diligence Vendor-06/16/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/16/2026 |
VVOE.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9745594 | N/A | N/A | |||||
| 1978996 | XXXXXXX | XXXXXX | Closed | 2026-06-15 10:13 | 2026-06-16 16:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved - Lease Agreement document provided - Due Diligence Vendor-06/16/2026 Ready for Review-Lender provided the missing lease agreement - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please find attached lease agreements for property listed on 3b of final application. - Buyer-06/16/2026 Open-Missing lease agreement for property 3b listed on the final loan application. - Due Diligence Vendor-06/15/2026 |
Resolved-Resolved - Lease Agreement document provided - Due Diligence Vendor-06/16/2026 |
Lease Agreement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9746112 | N/A | N/A | |||||
| 1978996 | XXXXXXX | XXXXXX | Closed | 2026-06-11 09:54 | 2026-06-16 16:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Lender provided VVOE for borrower 2 - Due Diligence Vendor-06/16/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Borrower is driver and works independently with XXXX and XXXXX XXX. Please find attached receipt of the income from both business XXXX and XXXXX XXX within 60 days of Note date confirming existence of the business. - Buyer-06/16/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/11/2026 |
Resolved-Lender provided VVOE for borrower 2 - Due Diligence Vendor-06/16/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/16/2026 |
VVOE.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9689478 | N/A | N/A | |||||
| 3351717 | XXXXXXX | XXXXXX | Closed | 2026-03-27 15:16 | 2026-03-31 13:35 | Resolved | 1 - Information | Credit | Closing | Pending Valuation Review - Awaiting receipt of AVM | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please find attached AVM. - Buyer-03/30/2026 Open-Subject's As-Is value has not been reviewed; Awaiting receipt of AVM. Please provide valuation listed on 1008 ($XXX,XXX) as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/27/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-03/31/2026 |
AVM.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 8367687 | N/A | N/A | |||||
| 1191049 | XXXXXXX | XXXXXX | Closed | 2026-03-23 13:05 | 2026-04-01 15:15 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used for qualification - Buyer-03/31/2026 Open-Appraisal or other primary valuation product is missing Missing AVM for appraisal value $XXX,XXX.XX. - Due Diligence Vendor-03/23/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 |
AVM.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8269738 | N/A | N/A | |||||
| 4078202 | XXXXXXX | XXXXXX | Closed | 2026-04-07 07:43 | 2026-04-07 07:43 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender exception in file to use a POA for NBS. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/07/2026 | Waived-Lender exception in file to use a POA for NBS. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/07/2026 |
1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 8521852 | Originator Pre-Close | Yes | |||||
| 1341362 | XXXXXXX | XXXXXX | Closed | 2026-04-02 14:39 | 2026-04-02 14:39 | Waived | 2 - Non-Material | Credit | Eligibility | Appraised Value is less than guideline minimum | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/02/2026 | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/02/2026 |
CLTV <5% below the Maximum Qualifying. Employment for an extended period at the same job 4.92 years. 36+ Months 0x30 housing payment history. | TX | Primary Residence | Refinance | Cash Out - Other | 8461210 | Originator Pre-Close | Yes | |||||
| 1281575 | XXXXXXX | XXXXXX | Closed | 2026-03-06 13:18 | 2026-04-09 13:28 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. As per CFPB, PCCD for only change in funding date is not required. Please see attached - Buyer-04/06/2026 Counter-Please provide PCCD that includes the following: PC TOP, PC Finance Charge, PC Amount Financed, PC APR, PC TIP. Condition remains open. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please see attached. Funding date was XX/XX/XXXX. - Buyer-04/01/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/06/2026 |
Resolved-Resolved - Due Diligence Vendor-04/09/2026 |
XXXXXXXX SS.Pdf XXXXXXXX NRTC.pdf Screenshot XX/XX/XXXX XXXXXX.png |
CA | Primary Residence | Refinance | Cash Out - Other | 7977234 | N/A | N/A | |||||
| 8098289 | XXXXXXX | XXXXXX | Closed | 2026-03-23 09:41 | 2026-04-01 13:47 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached 12 month business bank statements. - Buyer-03/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing 12 Business bank statements used for qualification. - Due Diligence Vendor-03/23/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/01/2026 |
Business Bank Statements.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8264383 | N/A | N/A | |||||
| 8098289 | XXXXXXX | XXXXXX | Closed | 2026-03-23 09:41 | 2026-04-01 13:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached 12 month business bank statements. - Buyer-03/30/2026 Open-Borrower 1 Business Bank Statements Missing Missing 12 Business bank statements for income qualification in final 1003 Line 1b. - Due Diligence Vendor-03/23/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/01/2026 |
Business Bank Statements.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8264382 | N/A | N/A | |||||
| 1846642 | XXXXXXX | XXXXXX | Closed | 2026-03-06 07:48 | 2026-03-28 10:34 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing income documentation | Waived-12 months co-mingled bank statements with no expense factor. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-03/06/2026 |
Waived-12 months co-mingled bank statements with no expense factor. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-03/06/2026 |
DTI 34.86 vs 43% 36+ Months 0x30 housing payment history |
TX | Primary Residence | Refinance | Cash Out - Other | 7969458 | Originator Pre-Close | Yes | |||||
| 1846642 | XXXXXXX | XXXXXX | Closed | 2026-03-28 10:33 | 2026-03-28 10:33 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements for Short Sale/Deed in Lieu not met | Waived-The Lender's guidelines require 7 years seasoning after a short sale or deed in lieu. Per the credit report, Borrowers completed a short sale <5 years, which is less than the minimum requirement. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-03/28/2026 | Waived-The Lender's guidelines require 7 years seasoning after a short sale or deed in lieu. Per the credit report, Borrowers completed a short sale <5 years, which is less than the minimum requirement. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-03/28/2026 |
36+ Months 0x30 housing payment history DTI 34.86 vs 43% |
TX | Primary Residence | Refinance | Cash Out - Other | 8372378 | Originator Pre-Close | Yes | |||||
| 1508280 | XXXXXXX | XXXXXX | Closed | 2026-03-30 10:08 | 2026-04-02 13:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received Mortgage Statements for REO 3b and REO 3c listed on Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please find attached mortgage statements for both the properties. - Buyer-03/31/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statements for investment property (REO 3b) and investment property (REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-03/30/2026 |
Resolved-Received Mortgage Statements for REO 3b and REO 3c listed on Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/02/2026 |
Mortgage Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8384533 | N/A | N/A | |||||
| 1508280 | XXXXXXX | XXXXXX | Closed | 2026-03-30 10:14 | 2026-04-02 13:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received Mortgage Statements for REO 3b and REO 3c listed on Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please find attached mortgage statements for both the properties. - Buyer-03/31/2026 Open-Please provide current mortgage statements for investment property (REO 3b) and investment property (REO 3c) listed on Final 1003. Additional conditions may apply. - Due Diligence Vendor-03/30/2026 |
Resolved-Received Mortgage Statements for REO 3b and REO 3c listed on Final 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 |
Mortgage Statement.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8384667 | N/A | N/A | |||||
| 2890494 | XXXXXXX | XXXXXX | Closed | 2026-03-27 14:05 | 2026-04-03 08:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Updated LM and re-run compliance. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Resolved - Due Diligence Vendor-04/03/2026 Ready for Review-Provided CD with Cure is Final CD, and the cure is already issued as reduction in closing cost. This is invalid condition. Please waive it - Seller-04/02/2026 Counter-Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. Finding remains. - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. 10% fees are $XXX which makes the tolerance limit to 759. Final CD have fees $XXX leading to a cure of $XXX which is already applied. - Buyer-03/30/2026 Open- - Due Diligence Vendor-03/27/2026 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) 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. No valid COC in file. Tolerance cure of $XX to be provided within 60 days of discovery. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Ready for Review-Provided CD with Cure is Final CD, and the cure is already issued as reduction in closing cost. This is invalid condition. Please waive it - Seller-04/02/2026 |
Resolved-Updated LM and re-run compliance. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Resolved - Due Diligence Vendor-04/03/2026 |
XXXXXX LE.pdf XXXXXXX cd.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8365828 | N/A | N/A | ||||
| 2890494 | XXXXXXX | XXXXXX | Closed | 2026-03-27 14:05 | 2026-04-03 08:10 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Updated LM and re-run compliance. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Resolved - Due Diligence Vendor-04/03/2026 Ready for Review-Provided CD with Cure is Final CD, and the cure is already issued as reduction in closing cost. This is invalid condition. Please waive it - Buyer-04/02/2026 Counter-Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. Finding remains. - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. 10% fees are $XXX which makes the tolerance limit to 759. Final CD have fees $XXX leading to a cure of $XXX which is already applied. - Seller-03/30/2026 Open- - Due Diligence Vendor-03/27/2026 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. No valid COC in file. Tolerance cure of $XX to be provided within 60 days of discovery. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. 10% fees are $XXX which makes the tolerance limit to XXX. Final CD have fees $XXX leading to a cure of $XXX which is already applied. - Seller-03/30/2026 |
Resolved-Updated LM and re-run compliance. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Resolved - Due Diligence Vendor-04/03/2026 |
XXXXXX LE.pdf XXXXXXcd.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8365830 | N/A | N/A | ||||
| 2890494 | XXXXXXX | XXXXXX | Closed | 2026-03-27 14:05 | 2026-04-01 10:32 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-LM updated and Compliance rerun. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Actual finance charge is XX,XXX.XX. It should not include notary fee. - Seller-03/30/2026 Open- - Due Diligence Vendor-03/27/2026 Open-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the Notary Fee in the amount of $XXX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Ready for Review-Document Uploaded. Actual finance charge is XX,XXX.XX. It should not include notary fee. - Seller-03/30/2026 |
Resolved-LM updated and Compliance rerun. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
XXXXXX cd.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8365829 | N/A | N/A | ||||
| 2890494 | XXXXXXX | XXXXXX | Closed | 2026-03-27 14:05 | 2026-04-01 10:32 | Resolved | 1 - Information | Compliance | XXXXXX | HighCost: Fees | Resolved-LM updated and Compliance rerun. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Loan fees is XXXX.XX which is under high cost limit. Please waive as notary fee (Non apr fee) should not be included. - Buyer-03/30/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open-The loan fees ($X,XXX.XX) exceed the (CA) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Resolved-LM updated and Compliance rerun. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
XXXXXX cd.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8365827 | N/A | N/A | |||||
| 9166024 | XXXXXXX | XXXXXX | Closed | 2026-03-27 01:43 | 2026-04-06 15:29 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached Fraud Report. - Buyer-04/03/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/27/2026 |
Resolved-Received fraud report. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026 |
Fraud Report.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8352779 | N/A | N/A | |||||
| 2605575 | XXXXXXX | XXXXXX | Closed | 2026-04-09 12:38 | 2026-04-13 15:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received REO documentation (including mortgage statement) for B2’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached documents. - Buyer-04/10/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statement for B2's primary residence listed on 1003. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-Received REO documentation (including mortgage statement) for B2’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/13/2026 |
REO Documents.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8580272 | N/A | N/A | |||||
| 2605575 | XXXXXXX | XXXXXX | Closed | 2026-04-09 12:44 | 2026-04-13 11:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received REO documentation (including mortgage statement) for B2’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached documts. - Buyer-04/10/2026 Open-Please provide current mortgage statement for B2's primary residence listed on 1003. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-Received REO documentation (including mortgage statement) for B2’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 |
REO Documents.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8580386 | N/A | N/A | |||||
| 2605575 | XXXXXXX | XXXXXX | Closed | 2026-04-09 12:44 | 2026-04-09 12:44 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender exception in file to use a POA for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/09/2026 | Waived-Lender exception in file to use a POA for closing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/09/2026 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 8580382 | Originator Pre-Close | Yes | |||||
| 8437305 | XXXXXXX | XXXXXX | Closed | 2026-03-30 14:31 | 2026-04-13 11:10 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received two additional months of statements for XXXXXXX XXXXXXXX XXXX. There are now 3 consecutive recent months of account statements. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached additional two month statements for XXXXXXX XXXXXXXX XXXX - Buyer-04/09/2026 Counter-Received Year-End Statement for [redacted] IRA covering 12 months. Received XX/XXXX statement for XXXXXXX XXXXXXXX XXXX. For Asset Utilization income, lender guidelines require assets to be verified with most recent 3 monthly account statements or quarterly statements. Please provide 2 additional recent months of statements for XXXXXXX XXXXXXXX XXXX. Condition remains. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please find attached income documentation. - Buyer-04/01/2026 Open-The statement(s) for the XXXXXXX XXXXX XXX and XXXXXXX XXXXXXXX Savings account are missing (asset utilization used from each in qualification). - Due Diligence Vendor-03/30/2026 |
Resolved-Received two additional months of statements for [redacted]. There are now 3 consecutive recent months of account statements. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 |
Income Documentation.pdf [redacted] additional two months statement.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8391635 | N/A | N/A | |||||
| 3317283 | XXXXXXX | XXXXXX | Closed | 2026-03-26 15:34 | 2026-04-01 10:52 | Resolved | 1 - Information | Credit | Closing | Pending Valuation Review - Awaiting receipt of AVM | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM - Buyer-03/30/2026 Open-Subject's As-Is value has not been reviewed; Awaiting receipt of AVM. Please provide valuation listed on 1008 ($XXX,XXX) as it is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/26/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8346085 | N/A | N/A | |||||
| 5902602 | XXXXXXX | XXXXXX | Closed | 2026-03-31 15:14 | 2026-04-03 09:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower 2) | Resolved-VVOE received for B2, dated within 10 business days of Note Date. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached VVOE and 10 Business day calculator. VVOE is date XX/XX/XXXX which is good through XX/XX/XXXX(Note Date). - Buyer-04/01/2026 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 business days prior to the Note date for Borrower 2’s job. - Due Diligence Vendor-03/31/2026 |
Resolved-VVOE received for B2, dated within 10 business days of Note Date. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
Days Calculator.pdf VVOE.pdf |
FL | Primary Residence | Refinance | Cash Out - Other | 8413659 | N/A | N/A | |||||
| 5902602 | XXXXXXX | XXXXXX | Closed | 2026-03-16 05:37 | 2026-04-03 09:58 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title document received. LM updated. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. As per guideline, 2nd Lien loans ≤$XXX,XXX require one of the following: 1) Owner & Encumbrance Property Report, 2) Instant Title and 3) Attorney Opinion Letter to verify Current grantee and grantor, Two year chain of title, Recordable legal description, Status of real estate taxes, Open mortgages and voluntary encumbrances, Judgments, liens, and involuntary encumbrances. Please find attached document Owner/property search report with all the requirement met. - Buyer-04/01/2026 Open-Title Document is missing Title Document Missing - Due Diligence Vendor-03/16/2026 |
Resolved-Title document received. LM updated. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Title Document is not Missing - Due Diligence Vendor-04/03/2026 |
Title Document.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8121503 | N/A | N/A | |||||
| 6619015 | XXXXXXX | XXXXXX | Closed | 2026-06-11 07:18 | 2026-06-17 08:48 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided updated 1003 to reflect that the subject property is retained - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please find attached updated 1003 - Buyer-06/15/2026 Open-1) The Subject property is listed as 'Sold' in the 1003 REO section. However, this file is a cash-out refinance for the same property, please provide updated 1003. - Due Diligence Vendor-06/11/2026 |
Resolved-Lender provided updated 1003 to reflect that the subject property is retained - Due Diligence Vendor-06/17/2026 |
1003 Updated.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9684127 | N/A | N/A | |||||
| 6619015 | XXXXXXX | XXXXXX | Closed | 2026-06-12 09:37 | 2026-06-17 08:47 | Resolved | 1 - Information | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Lender provided documentation showing judgement paid in full. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please find attached document confirming case(TX2001194) has been closed. - Buyer-06/15/2026 Open-Fraud Report reflects a judgment of $XX,XXX.XX not satisfied prior to or at close. Additionally, the loan file contained a correspondence indicating that "we will still need the attached signed as I need this to reach out for the judgments on title". - Due Diligence Vendor-06/12/2026 |
Resolved-Lender provided documentation showing judgement paid in full. - Due Diligence Vendor-06/17/2026 |
Civil Judgment Status.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9716662 | N/A | N/A | |||||
| 6619015 | XXXXXXX | XXXXXX | Closed | 2026-06-12 09:25 | 2026-06-17 08:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Lender provided the missing VVOE dated within 10 days of closing. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please find attached VVOE which is valid till XX/XX/XXXX. - Buyer-06/15/2026 Open-VVOE dated within 10 days is missing Verified By name. - Due Diligence Vendor-06/12/2026 |
Resolved-Lender provided the missing VVOE dated within 10 days of closing. - Due Diligence Vendor-06/17/2026 |
Business Date Calculator.pdf VVOE..pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 9716347 | N/A | N/A | |||||
| 9878633 | XXXXXXX | XXXXXX | Closed | 2026-03-31 08:19 | 2026-04-03 10:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-04/01/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require Award letter or VA certificate of eligibility to document VA Benefits income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
VA Benefit Letter.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8402738 | N/A | N/A | |||||
| 9878633 | XXXXXXX | XXXXXX | Closed | 2026-03-31 08:24 | 2026-04-03 10:05 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached document. - Buyer-04/01/2026 Open-Lender guidelines require Award letter or VA certificate of eligibility to document VA Benefits income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Resolved-Received VA Benefits letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
VA Benefit Letter.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8402833 | N/A | N/A | |||||
| 5643090 | XXXXXXX | XXXXXX | Closed | 2026-03-25 10:00 | 2026-03-25 10:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.22% exceeds Guideline DTI of 43% Lender exception in file for DTI over 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/25/2026 | Waived-Audited DTI of 48.22% exceeds Guideline DTI of 43% Lender exception in file for DTI over 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/25/2026 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
WA | Primary Residence | Refinance | Cash Out - Other | 8312308 | Originator Pre-Close | Yes | |||||
| 5643090 | XXXXXXX | XXXXXX | Closed | 2026-02-27 05:25 | 2026-03-25 09:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7840525 | Investor Post-Close | No | ||||||
| 8956485 | XXXXXXX | XXXXXX | Closed | 2026-03-29 03:13 | 2026-05-14 09:36 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM - Buyer-03/31/2026 Open-Appraisal or other primary valuation product is missing The value reflected the 1008 is $X,XXX,XXX.XX; the value reflected on the AVM in-file is $XXXXXX. Provide a legible copy of the valuation used in qualification. - Due Diligence Vendor-03/29/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 |
AVM.pdf | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | 8372939 | N/A | N/A | |||||
| 3215991 | XXXXXXX | XXXXXX | Closed | 2026-02-25 14:05 | 2026-04-01 10:01 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited HLTV of 79.44% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used along with 1008. CLTV is Below 80%. - Seller-03/30/2026 Open-Audited HLTV of 81.28% exceeds Guideline HCLTV of 80% . - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Please find attached AVM used along with 1008. CLTV is Below 80%. - Seller-03/30/2026 |
Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited HLTV of 79.44% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-04/01/2026 |
1008.pdf AVM.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7808249 | N/A | N/A | ||||
| 3215991 | XXXXXXX | XXXXXX | Closed | 2026-02-25 14:05 | 2026-04-01 10:01 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited CLTV of 79.44% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used along with 1008. CLTV is Below 80%. - Buyer-03/30/2026 Open-Audited CLTV of 81.28% exceeds Guideline CLTV of 80% . - Due Diligence Vendor-02/25/2026 |
Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited CLTV of 79.44% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/01/2026 |
1008.pdf AVM.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7808248 | N/A | N/A | |||||
| 3215991 | XXXXXXX | XXXXXX | Closed | 2026-02-25 14:27 | 2026-04-01 09:59 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgement of Fair Market Value Disclosure Value Does Not Match Appraisal Value | Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Acknowledgement of Fair Market Value Disclosure Value Matching Appraisal Value provided. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please see attached. Value is matching. Please waive the condition. - Seller-03/30/2026 Open-TX 50(a)(6) Violation: Acknowledgement of Fair Market Value Disclosure Value Does Not Match Appraisal Value. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Please see attached. Value is matching. Please waive the condition. - Seller-03/30/2026 |
Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Acknowledgement of Fair Market Value Disclosure Value Matching Appraisal Value provided. - Due Diligence Vendor-04/01/2026 |
FMV XXXXXXXX.pdf XXXXXXXX cd.pdf XXXXXXXX avm.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7808894 | N/A | N/A | ||||
| 3215991 | XXXXXXX | XXXXXX | Closed | 2026-02-25 13:20 | 2026-04-01 09:59 | Resolved | 1 - Information | Compliance | Value:LTV | [redacted] - Maximum CLTV | Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Resolved - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. CLTV is below 80. Please waive the condition. - Buyer-03/30/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open-Under the [redacted] Constitution, the combined loan to value must be less than or equal 80%. ( Tex. Const. Art. XVI Sec. 50(a)(6)(B)) . - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/25/2026 |
Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Resolved - Due Diligence Vendor-04/01/2026 |
XXXXXXXX tr.pdf XXXXXXXX cd.pdf MS XXXXXXXX.pdf XXXXXXXX avm.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7807047 | N/A | N/A | |||||
| 3215991 | XXXXXXX | XXXXXX | Closed | 2026-02-25 14:27 | 2026-04-01 09:59 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: 1st Monthly Payment date greater than 60 days/ 2 months from closing date | Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Evidence 1st Monthly Payment date is not greater than 60 days/ 2 months from closing date provided. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please see attached and waive the condition. First payment date is not greater than 60 days. - Seller-03/30/2026 Open-TX 50(a)(6) Violation: 1st Monthly Payment date greater than 60 days/ 2 months from closing date. - Due Diligence Vendor-02/25/2026 |
Ready for Review-Document Uploaded. Please see attached and waive the condition. First payment date is not greater than 60 days. - Seller-03/30/2026 |
Resolved-LM updated and Compliance re-run. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Evidence 1st Monthly Payment date is not greater than 60 days/ 2 months from closing date provided. - Due Diligence Vendor-04/01/2026 |
XXXXXXXX fpl.pdf XXXXXXXX note.pdf XXXXXXXX cd.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 7808895 | N/A | N/A | ||||
| 8795079 | XXXXXXX | XXXXXX | Closed | 2026-04-10 08:35 | 2026-05-05 14:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided approved exception dated post consummation and all compensating factors have been documented and validated. - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. Please find attached Exception Form to exceed maximum CLTV for jumbo loan on primary residence from 80% up to 85% - Buyer-05/01/2026 Open-Audited CLTV of 84.53% exceeds Guideline CLTV of 80% Per lender guidelines, the maximum CLTV for jumbo loans ($500,000 to $1,000,000) is 80%. CLTV for subject loan is 84.53%. Additional conditions may apply. - Due Diligence Vendor-04/10/2026 |
Waived-Lender provided approved exception dated post consummation and all compensating factors have been documented and validated. - Due Diligence Vendor-05/05/2026 |
Exception Form.pdf | Compensating factors: length of employment 16 months. Minimal debt. | UT | Primary Residence | Refinance | Cash Out - Other | 8593442 | Originator Post-Close | No | ||||
| 4330460 | XXXXXXX | XXXXXX | Closed | 2026-04-01 13:40 | 2026-04-03 14:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/02/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing 12 months of Business Bank Statements - Due Diligence Vendor-04/01/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
12 Months Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8436135 | N/A | N/A | |||||
| 4330460 | XXXXXXX | XXXXXX | Closed | 2026-03-18 09:38 | 2026-04-03 14:57 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/02/2026 Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-03/18/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 |
12 Months Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8183428 | N/A | N/A | |||||
| 1715084 | XXXXXXX | XXXXXX | Closed | 2026-04-02 09:24 | 2026-04-06 10:55 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/03/2026 Open-Borrower 1 Business Bank Statements Missing Provide a legible copy of the most recent 12-month's XXX checking #XXXX used in qualification (none in-file). - Due Diligence Vendor-04/02/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | KS | Primary Residence | Refinance | Cash Out - Other | 8452949 | N/A | N/A | |||||
| 7372090 | XXXXXXX | XXXXXX | Closed | 2026-04-02 15:31 | 2026-04-06 14:36 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received VVOE for B2. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached VVOE. - Buyer-04/03/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-04/02/2026 |
Resolved-Received VVOE for B2. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/06/2026 |
VVOE.pdf Date Calculator.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 8462191 | N/A | N/A | |||||
| 7372090 | XXXXXXX | XXXXXX | Closed | 2026-03-26 13:55 | 2026-04-06 14:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B2. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached VVOE. - Buyer-04/03/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2026 |
Resolved-Received VVOE for B2. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/06/2026 |
Date Calculator.pdf VVOE.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 8342755 | N/A | N/A | |||||
| 4316924 | XXXXXXX | XXXXXX | Closed | 2026-03-28 08:39 | 2026-04-01 14:43 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used for qualification - Buyer-03/31/2026 Open-Appraisal or other primary valuation product is missing The 1008 reflects a value of $XXXX; the AVM in-file reflects a value of $XXXX. Provide a legible copy of the valuation used in qualification. - Due Diligence Vendor-03/28/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 |
AVM.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 8372202 | N/A | N/A | |||||
| 7055695 | XXXXXXX | XXXXXX | Closed | 2026-03-23 15:16 | 2026-04-01 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received mortgage statement for subject property 1st lien. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached mortgage statement - Buyer-03/31/2026 Open-Provide current XX/XXX/XXX #XXXX statement to confirm PITI for XXXXX XXXXX XXXXXXXX XXXXXX; if escrows aren't included, also provide the current HOI binder and tax certificate. - Due Diligence Vendor-03/23/2026 |
Resolved-Received mortgage statement for subject property 1st lien. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 |
Mortgage Statement.pdf | AZ | Investment | Refinance | Cash Out - Other | 8273547 | N/A | N/A | |||||
| 7055695 | XXXXXXX | XXXXXX | Closed | 2026-03-29 05:04 | 2026-04-01 15:24 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used for qualification - Buyer-03/31/2026 Open-Appraisal or other primary valuation product is missing The value reflected on the final 1008 is $X,XXX,XXX.XX; the value reflected on the AVM is $X,XXX,XXX.XX. Provide a legible copy of the valuation used in qualification. - Due Diligence Vendor-03/29/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/01/2026 |
AVM.pdf | AZ | Investment | Refinance | Cash Out - Other | 8373017 | N/A | N/A | |||||
| 6361472 | XXXXXXX | XXXXXX | Closed | 2026-04-02 03:56 | 2026-04-06 09:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements. Account transferred to new account on XX/XX/XXXX. - Buyer-04/03/2026 Open-Borrower 1 Business Bank Statements Missing Provide a legible copy of the most recent 12-month's XXXXX XXXXX business checking #XXXX statements (only the XX/XX/XXXX statement is in-file). - Due Diligence Vendor-04/02/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8444870 | N/A | N/A | |||||
| 3443768 | XXXXXXX | XXXXXX | Closed | 2026-03-26 13:44 | 2026-06-12 11:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/03/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Findings added. - Due Diligence Vendor-03/26/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/07/2026 |
12 Months Business Bank Statements.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8342163 | N/A | N/A | |||||
| 3443768 | XXXXXXX | XXXXXX | Closed | 2026-03-26 14:18 | 2026-04-07 13:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements - Buyer-04/03/2026 Open-Borrower 1 Business Bank Statements Missing Please provide the bank statements for the business - Due Diligence Vendor-03/26/2026 |
Resolved-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-04/07/2026 |
12 Months Business Bank Statements.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8343361 | N/A | N/A | |||||
| 3027787 | XXXXXXX | XXXXXX | Closed | 2026-04-13 10:27 | 2026-07-15 08:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please find attached exception form to waive requirement for verification of source of origin for Asset Depletion income. - Buyer-04/30/2026 Counter-Exception to use non-existent future guidelines rejected. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please find attached Exception form to use future guideline next version making changes to allow asset depletion income as per FNMA. - Buyer-04/14/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require verification of source for Asset Depletion income. Please provide the origin of the assets, such as a distribution letter from an employer for severance packages or retirement distributions. Additional conditions may apply. - Due Diligence Vendor-04/13/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/30/2026 |
Exception Form..pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8623648 | N/A | N/A | |||||
| 3027787 | XXXXXXX | XXXXXX | Closed | 2026-04-13 10:49 | 2026-04-30 14:37 | Waived | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Waived-Waiver provided for asset depletion source. Lender provided approved exception dated 3/3/26 and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please find attached exception form to waive requirement for verification of source of origin for Asset Depletion income. - Buyer-04/30/2026 Counter-Exception to use non-existent future guidelines rejected. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please find attached Exception form to use future guideline next version making changes to allow asset depletion income as per FNMA. - Buyer-04/14/2026 Open-Lender guidelines require verification of source for Asset Depletion income. Please provide the origin of the assets, such as a distribution letter from an employer for severance packages or retirement distributions. Additional conditions may apply. - Due Diligence Vendor-04/13/2026 |
Waived-Waiver provided for asset depletion source. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/30/2026 |
Exception Form..pdf | 36 mo 0x30 housing history Minimal revolving debts |
CA | Primary Residence | Refinance | Cash Out - Other | 8624386 | Originator Pre-Close | Yes | ||||
| 3060282 | XXXXXXX | XXXXXX | Closed | 2026-03-06 04:32 | 2026-04-01 15:40 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Cash to close ($1,295.37) is less than 50% of qualifying Income ($XX,XXX.XX). Per lender guidelines, if cash to close is less than 50% of the monthly qualifying income, it is assumed that the borrower has the income to cover the required cash to close. Condition status changed to resolved. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached bank statement. Also, find attached cash to close guideline. If funds are required to close the loan, borrowers must provide proof of funds if the amount is greater than 50% of the monthly qualifying income. Otherwise, we assume the borrower has the income to cover the required cash-to-close. Borrower income is $XX,XXX.XX, cash to close requirement is $1,295.37 No need to bring cash up to $10,450. - Buyer-03/31/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. The final 1003 reflects $XXXX.XX with XX XXXX checking #XXXX and $XXXX.XX with XXXXX XXXXX checking #XXXX; neither statement is in-file. The final CD reflects $XXXX.XX funds-to-close. There is a cashier's check from XX XXXX for the same amount. Provide the associated statement to confirm sufficient funds available for closing. - Due Diligence Vendor-03/06/2026 |
Resolved-Cash to close ($1,295.37) is less than 50% of qualifying Income ($XX,XXX.XX). Per lender guidelines, if cash to close is less than 50% of the monthly qualifying income, it is assumed that the borrower has the income to cover the required cash to close. Condition status changed to resolved. - Due Diligence Vendor-04/01/2026 |
Asset Requirement Guideline.pdf Bank Statements.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 7965308 | N/A | N/A | |||||
| 8101522 | XXXXXXX | XXXXXX | Closed | 2026-03-26 12:18 | 2026-04-09 13:31 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. Funding date is XX/XX/XXXX. Please see attached. - Buyer-04/06/2026 Open- - Due Diligence Vendor-04/03/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 Open- - Due Diligence Vendor-03/26/2026 |
Resolved-Resolved - Due Diligence Vendor-04/09/2026 |
XXXXXXXX final ss.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 8339586 | N/A | N/A | |||||
| 5566063 | XXXXXXX | XXXXXX | Closed | 2026-03-16 14:32 | 2026-04-02 15:37 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Please find attached 12 month business bank statement. - Buyer-04/01/2026 Open-Borrower 1 Business Bank Statements Missing Provide the 12-month's XXXXX XXXXX #XXXX business checking statements used in qualification (only XX/XX/XXXX6 statement is in-file). - Due Diligence Vendor-03/16/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/02/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/02/2026 |
Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8135958 | N/A | N/A | |||||
| 9572539 | XXXXXXX | XXXXXX | Closed | 2026-03-23 08:20 | 2026-04-01 14:30 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Received original AVM used in qualifying. HCLTV is under 85%. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited HLTV of 84.84% is less than or equal to Guideline HCLTV of 85% - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used for qualification. - Buyer-03/31/2026 Open-Audited HLTV of 93.83% exceeds Guideline HCLTV of 85% The value reflected on the 1008 is $XXXX; the value reflected on the XX/XX/XXXX AVM is $XXX,XXX.XX. Provide the valuation used in qualification. - Due Diligence Vendor-03/28/2026 |
Resolved-Received original AVM used in qualifying. HCLTV is under 85%. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited HLTV of 84.84% is less than or equal to Guideline HCLTV of 85% - Due Diligence Vendor-04/01/2026 |
AVM.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8262950 | N/A | N/A | |||||
| 9572539 | XXXXXXX | XXXXXX | Closed | 2026-03-23 08:20 | 2026-04-01 14:30 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Received original AVM used in qualifying. CLTV is under 85%. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited CLTV of 84.84% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please find attached AVM used for qualification. - Buyer-03/31/2026 Open-Audited CLTV of 93.83% exceeds Guideline CLTV of 85% The value reflected on the 1008 is $XXXX; the value reflected on the XX/XX/XXXX AVM is $XXX,XXX. Provide the valuation used in qualification. - Due Diligence Vendor-03/28/2026 |
Resolved-Received original AVM used in qualifying. CLTV is under 85%. Condition status changed to Resolved. - Due Diligence Vendor-04/01/2026 Resolved-Audited CLTV of 84.84% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-04/01/2026 |
AVM.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8262949 | N/A | N/A | |||||
| 7593334 | XXXXXXX | XXXXXX | Closed | 2026-03-31 07:27 | 2026-05-12 13:47 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Received valuation used for qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached Valuation document used for qualification. - Buyer-04/01/2026 Open-Appraisal or other primary valuation product is missing The appraised value on the 1008 is $XXXX; the appraised value on the AVM is $XXXX. Provide a legible copy of the valuation used in qualification. - Due Diligence Vendor-03/31/2026 |
Resolved-Received valuation used for qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/03/2026 |
AVM.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 8401867 | N/A | N/A | |||||
| 1261681 | XXXXXXX | XXXXXX | Closed | 2026-03-17 14:51 | 2026-04-03 14:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 month bank statements - Buyer-04/01/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing 12-month bank statements used for qualification. - Due Diligence Vendor-03/17/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
Bank Statements 12 Months.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 8162830 | N/A | N/A | |||||
| 1261681 | XXXXXXX | XXXXXX | Closed | 2026-03-24 12:40 | 2026-04-03 14:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached 12 month bank statements - Buyer-04/01/2026 Open-Borrower 1 Business Bank Statements Missing 12-month bank statement is missing in the loan file. - Due Diligence Vendor-03/24/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/03/2026 |
Bank Statements 12 Months.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 8294622 | N/A | N/A | |||||
| 4288991 | XXXXXXX | XXXXXX | Closed | 2026-03-23 09:40 | 2026-03-23 09:42 | Waived | 2 - Non-Material | Property | Appraisal | Valuation product is deficient | Waived-Lender exception indicates 2nd AVM value is $XXX,XXX.XX. However, Loan file has a two AVM, 1st AVM value is $XXX,XXX & 2nd AVM Value is $XXX,XXX. Hence AVM ($116,121) Document is missing in the loan file. Please provide the AVM used to qualify the loan reflecting the value on the loan transmittal summary. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/23/2026 |
Waived-Lender exception indicates 2nd AVM value is $XXX,XXX. However, Loan file has a two AVM, 1st AVM value is $XXX,XXX & 2nd AVM Value is $XXX,XXX. Hence AVM ($XXX,XXX) Document is missing in the loan file. Please provide the AVM used to qualify the loan reflecting the value on the loan transmittal summary. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/23/2026 |
1. 36+ Months 0x30 housing payment history 2. Minimal debts / Revolving accounts All compensating factors are met. |
IL | Primary Residence | Refinance | Cash Out - Other | 8264371 | Originator Pre-Close | Yes | |||||
| 9558006 | XXXXXXX | XXXXXX | Closed | 2026-03-31 09:02 | 2026-04-03 09:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received recent paystubs and W2s for both borrowers. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached income documentation - Buyer-04/01/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require one of the following to document wage earner income: Paystubs with a minimum of 30 days YTD earnings and IRS W-2 forms covering the most recent 2-year period, Transcripts covering the most recent 2-year period or a WVOE. Required documentation is missing from loan file for both borrowers. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Resolved-Received recent paystubs and W2s for both borrowers. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8403722 | N/A | N/A | |||||
| 9558006 | XXXXXXX | XXXXXX | Closed | 2026-03-31 09:07 | 2026-04-03 09:49 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received recent paystubs and W2s for both borrowers. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached income documentation - Buyer-04/01/2026 Open-Lender guidelines require one of the following to document wage earner income: Paystubs with a minimum of 30 days YTD earnings and IRS W-2 forms covering the most recent 2-year period, Transcripts covering the most recent 2-year period or a WVOE. Required documentation is missing from loan file for both borrowers. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |
Resolved-Received recent paystubs and W2s for both borrowers. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8404171 | N/A | N/A | |||||
| 7274360 | XXXXXXX | XXXXXX | Closed | 2026-04-10 14:50 | 2026-04-10 14:50 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender exception in file for $XXX,XXX loan amount using alt doc. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/10/2026 | Waived-Lender exception in file for $XXX,XXX loan amount using alt doc. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/10/2026 |
1) CLTV <5% below the Maximum Qualifying. 2) DTI <5% below the Maximum Qualifying. 3) 36+ Months 0x30 housing payment history. |
CA | Primary Residence | Refinance | Cash Out - Other | 8603756 | Originator Pre-Close | Yes | |||||
| 2506110 | XXXXXXX | XXXXXX | Closed | 2026-04-13 09:57 | 2026-07-06 12:23 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Documentation 1 | Waived-Waiver received - Due Diligence Vendor-07/06/2026 Waived-The lender guideline 4-2-4-10 requires all REO cannot have an active deferment or forbearance period. The Borrower's REO3a reflects an active forbearance balance. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/13/2026 |
Waived-Waiver received - Due Diligence Vendor-07/06/2026 Waived-The lender guideline 4-2-4-10 requires all REO cannot have an active deferment or forbearance period. The Borrower's REO3a reflects an active forbearance balance. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/13/2026 |
55% LTV 756 FICO Score Less than 43% DTI. |
CA | Primary Residence | Refinance | Cash Out - Other | 8622926 | Originator Pre-Close | Yes | |||||
| 2506110 | XXXXXXX | XXXXXX | Closed | 2026-04-17 10:24 | 2026-04-21 09:21 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete 1008 or Underwriter Approval | Resolved-Resolved - Updated 1008 document provided - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Please find updated 1008. - Buyer-04/20/2026 Open-The final 1008 is incomplete. Please provide revised 1008 with accurate appraised value/LTV/CLTV. - Due Diligence Vendor-04/17/2026 |
Resolved-Resolved - Updated 1008 document provided - Due Diligence Vendor-04/21/2026 |
1008.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8736120 | N/A | N/A | |||||
| 2506110 | XXXXXXX | XXXXXX | Closed | 2026-04-01 12:25 | 2026-04-17 10:49 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please find attached appraisal report. - Buyer-04/14/2026 Open-Appraisal or other primary valuation product is missing The lender provided and exception to allow the appraisal to be a Pre Funding Condition. Audit requires the appraisal. - Due Diligence Vendor-04/01/2026 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/17/2026 |
Appraisal invoice.pdf Appraisal.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 8434058 | N/A | N/A | |||||
| 2506110 | XXXXXXX | XXXXXX | Closed | 2026-04-13 09:41 | 2026-04-13 09:58 | Waived | 2 - Non-Material | Credit | Insurance | Hazard Insurance Shortfall | Waived-The lender guideline requires the Hazard insurance must cover the Replacement cost Estimator or 80% of the property value. A Replacement Cost Estimator was not provided, and Hazard insurance coverage is less the 80% of property value. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/13/2026 | Waived-The lender guideline requires the Hazard insurance must cover the Replacement cost Estimator or 80% of the property value. A Replacement Cost Estimator was not provided, and Hazard insurance coverage is less the 80% of property value. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/13/2026 |
55% LTV 756 FICO Score Less than 43% DTI. |
CA | Primary Residence | Refinance | Cash Out - Other | 8622506 | Originator Pre-Close | Yes | |||||
| 7867386 | XXXXXXX | XXXXXX | Closed | 2026-03-17 14:23 | 2026-04-06 08:36 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached 12 months business bank statements. - Buyer-04/02/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due Borrower 1 Business Bank Statements - Due Diligence Vendor-03/17/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 8162095 | N/A | N/A | |||||
| 7867386 | XXXXXXX | XXXXXX | Closed | 2026-04-01 15:15 | 2026-04-06 08:36 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find 12 months business bank statements. - Buyer-04/02/2026 Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-04/01/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 8438114 | N/A | N/A | |||||
| 5601433 | XXXXXXX | XXXXXX | Closed | 2026-03-27 08:47 | 2026-04-07 16:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 1040 Schedule E Missing | Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Buyer-04/06/2026 Open-Borrower 1 1040 Schedule E Missing - Due Diligence Vendor-03/27/2026 |
Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-04/07/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8357731 | N/A | N/A | |||||
| 5601433 | XXXXXXX | XXXXXX | Closed | 2026-03-27 08:47 | 2026-04-07 16:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/07/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Buyer-04/06/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements due missing income documentation for both borrowers. - Due Diligence Vendor-03/27/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-04/07/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8357732 | N/A | N/A | |||||
| 5601433 | XXXXXXX | XXXXXX | Closed | 2026-04-03 07:22 | 2026-04-07 16:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Buyer-04/06/2026 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-04/03/2026 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-04/07/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8472167 | N/A | N/A | |||||
| 5601433 | XXXXXXX | XXXXXX | Closed | 2026-04-03 07:22 | 2026-04-07 16:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Buyer-04/06/2026 Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-04/03/2026 |
Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8472168 | N/A | N/A | |||||
| 5601433 | XXXXXXX | XXXXXX | Closed | 2026-04-03 07:22 | 2026-04-07 16:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please find attached Income documentation. - Buyer-04/06/2026 Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-04/03/2026 |
Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2026 |
Income Documentation.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8472169 | N/A | N/A | |||||
| 4692751 | XXXXXXX | XXXXXX | Closed | 2026-06-18 12:07 | 2026-07-02 15:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. condition resolved - Due Diligence Vendor-06/19/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached VVOE date XX/XX/XXXX. - Buyer-06/19/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-06/18/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. condition resolved - Due Diligence Vendor-06/19/2026 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/19/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9823952 | N/A | N/A | |||||
| 4692751 | XXXXXXX | XXXXXX | Closed | 2026-06-18 12:07 | 2026-06-19 13:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. condition resolved - Due Diligence Vendor-06/19/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached VVOE date XX/XX/XXXX. - Buyer-06/19/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/18/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. condition resolved - Due Diligence Vendor-06/19/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/19/2026 |
VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9823951 | N/A | N/A | |||||
| 4692751 | XXXXXXX | XXXXXX | Closed | 2026-06-18 12:39 | 2026-06-18 12:39 | Waived | 2 - Non-Material | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Request to use Credit/LQI for a total of 108 days instead of 60 days. Please allow a 48-day extension on credit before LQI required to accommodate closing. Credit report dated XX/XX/XXXX valid for 60 days > Credit/LQI expiresXX/XX/XXXX & Loan to close now on XX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/18/2026 | Waived-Request to use Credit/LQI for a total of 108 days instead of 60 days. Please allow a 48-day extension on credit before LQI required to accommodate closing. Credit report dated XX/XX/XXXX valid for 60 days > Credit/LQI expires XX/XX/XXXX & Loan to close now onXX/XX/XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/18/2026 |
DTI <5% below the Maximum Qualifying. Credit Score >/= 10+ Points more than qualifying. Minimal debts/ Revolving accounts $XXX.XX. No derogatory events. | CA | Primary Residence | Refinance | Cash Out - Other | 9824997 | Originator Pre-Close | Yes | |||||
| 9236406 | XXXXXXX | XXXXXX | Closed | 2026-03-30 14:23 | 2026-03-30 14:23 | Waived | 2 - Non-Material | Property | Appraisal | Valuation product is deficient | Waived-Lender exception in file for value under $XXX,XXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 | Waived-Lender exception in file for value under $XXX,XXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/30/2026 |
1) Employment of 5 years on the same job. 2) 36+ Months 0x30 housing payment history. |
CO | Primary Residence | Refinance | Cash Out - Other | 8391492 | Originator Pre-Close | Yes | |||||
| 1629236 | XXXXXXX | XXXXXX | Closed | 2026-03-26 14:18 | 2026-04-06 10:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received SSI Awards letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached document - Seller-04/03/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing Borrower 1 Social Security Award Letter - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document Uploaded. Please find attached document - Seller-04/03/2026 |
Resolved-Received SSI Awards letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 |
Award Letter.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 8343369 | N/A | N/A | ||||
| 1629236 | XXXXXXX | XXXXXX | Closed | 2026-04-02 08:30 | 2026-04-06 10:29 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Received SSI Awards letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached document - Buyer-04/03/2026 Open-Borrower 1 Award Letter Missing - Due Diligence Vendor-04/02/2026 |
Resolved-Received SSI Awards letter for borrower. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-04/06/2026 |
Award Letter.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 8450999 | N/A | N/A | |||||
| 1629236 | XXXXXXX | XXXXXX | Closed | 2026-03-27 07:11 | 2026-04-06 10:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing Senior Mortgage Statement | Resolved-Received mortgage statement for senior lien on subject property. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached document - Buyer-04/03/2026 Open-The Senior Mortgage Statement is missing from the file. - Due Diligence Vendor-03/27/2026 |
Resolved-Received mortgage statement for senior lien on subject property. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 |
Mortgage Statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 8356036 | N/A | N/A | |||||
| 5649327 | XXXXXXX | XXXXXX | Closed | 2026-04-01 10:16 | 2026-04-17 10:10 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please find attached primary valuation. - Buyer-04/14/2026 Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-04/06/2026 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-04/17/2026 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8429592 | N/A | N/A | |||||
| 5649327 | XXXXXXX | XXXXXX | Closed | 2026-04-11 09:28 | 2026-04-11 09:28 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lenders Guidelines allow a Term of 30 years for Eligible Senior Mortgages. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/11/2026 | Waived-Lenders Guidelines allow a Term of 30 years for Eligible Senior Mortgages. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/11/2026 |
CLTV <5% below the Maximum Qualifying. Credit Score >/= 10+ Points more than qualifying. | CA | Primary Residence | Refinance | Cash Out - Other | 8609653 | Originator Pre-Close | Yes | |||||
| 5969029 | XXXXXXX | XXXXXX | Closed | 2026-04-07 12:20 | 2026-04-13 13:51 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Lender guidelines state that an individual who is a co-signer and who does not have an ownership interest in the property must sign the note but is not named in (or required to sign) the security instrument. B2 is not on title, but he did sign the Note. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/13/2026 Ready for Review-[redacted] is a co-signer not a co-borrower, hence he will sign only Note and not DOT. Please waive the condition. - Buyer-04/08/2026 Open-The Deed of Trust is Incomplete Co-borrower to sign mortgage. Additional conditions may apply. - Due Diligence Vendor-04/07/2026 |
Resolved-Lender guidelines state that an individual who is a co-signer and who does not have an ownership interest in the property must sign the note but is not named in (or required to sign) the security instrument. B2 is not on title, but he did sign the Note. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/13/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 8529849 | N/A | N/A | ||||||
| 9963621 | XXXXXXX | XXXXXX | Closed | 2026-03-25 04:32 | 2026-03-25 04:32 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-AS per when using the primary wage earner framework, the secondary FICO must meet 620 or above but second borrower has 598 FICO. Hence lender provided exception with compensating factors. All compensating factors are valid - Due Diligence Vendor-03/25/2026 | Waived-AS per when using the primary wage earner framework, the secondary FICO must meet 620 or above but second borrower has 598 FICO. Hence lender provided exception with compensating factors. All compensating factors are valid - Due Diligence Vendor-03/25/2026 |
1.36+ Months 0x30 housing payment history 2.Other additional Compensating |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8306462 | Originator Pre-Close | Yes | |||||
| 8854743 | XXXXXXX | XXXXXX | Closed | 2026-03-26 10:22 | 2026-04-06 15:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached 12 month business bank statements. - Buyer-04/06/2026 Open-Borrower 1 Business Bank Statements Missing Provide a legible copy of the most recent 12-month's JPMCB business checking #0902 statements (none in-file). - Due Diligence Vendor-03/26/2026 |
Resolved-Received business bank statements (12 months). Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/06/2026 |
12 Months Business Bank Statements.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8336231 | N/A | N/A | |||||
| 5112023 | XXXXXXX | XXXXXX | Closed | 2026-03-18 06:48 | 2026-04-03 14:39 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Secondary Valuation not required. Condition status updated to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached AVM. Supporting secondary valuation not required for 2nd lien with loan amount <= $XXX,XXX. - Buyer-04/02/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-Secondary Valuation not required. Condition status updated to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-04/03/2026 |
AVM.pdf | CO | Primary Residence | Refinance | Cash Out - Other | 8179888 | N/A | N/A | |||||
| 4824132 | XXXXXXX | XXXXXX | Closed | 2026-03-17 14:31 | 2026-04-03 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached fraud report, - Buyer-04/01/2026 Open-Missing Third Party Fraud Report Third Party Fraud Report not Provided - Due Diligence Vendor-03/17/2026 |
Resolved-Received Fraud Report. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/03/2026 |
Fraud Report.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 8162329 | N/A | N/A | |||||
| 2439699 | XXXXXXX | XXXXXX | Closed | 2026-03-24 14:16 | 2026-04-03 14:31 | Resolved | 1 - Information | Property | Appraisal | Valuation product is deficient | Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please find attached AVM - Buyer-04/02/2026 Open-Loan file reflect AVM value is $XXXXXX, However AVM with value $XXX,XXX Document is missing in the loan file. - Due Diligence Vendor-03/24/2026 |
Resolved-Received original AVM used in qualifying. Condition status changed to Resolved. - Due Diligence Vendor-04/03/2026 |
AVM.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8297577 | N/A | N/A | |||||
| 1149340 | XXXXXXX | XXXXXX | Closed | 2026-03-27 06:20 | 2026-05-14 06:59 | Waived | 2 - Non-Material | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-Received handwritten waiver, signed by the borrower, that waives the NORTC. Condition status changed to Waived. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached LOE as recession was waived on the file. - Buyer-04/01/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-03/27/2026 |
Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-Received handwritten waiver, signed by the borrower, that waives the NORTC. Condition status changed to Waived. - Due Diligence Vendor-04/06/2026 |
LOE XXXXXXXX.pdf | LOE as recession was waived on the file. Received handwritten waiver, signed by the borrower, that waives the NORTC. |
NC | Primary Residence | Refinance | Cash Out - Other | 8355436 | Originator Pre-Close | Yes | ||||
| 1149340 | XXXXXXX | XXXXXX | Closed | 2026-03-27 06:01 | 2026-05-14 06:58 | Waived | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-Received handwritten waiver, signed by the borrower, that waives the NORTC. Condition status changed to Waived. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see attached LOE as recession was waived on the file. - Buyer-04/01/2026 Open- - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Waived-Comp factors added - Due Diligence Vendor-05/14/2026 Waived-Received handwritten waiver, signed by the borrower, that waives the NORTC. Condition status changed to Waived. - Due Diligence Vendor-04/06/2026 |
LOE XXXXXXXX.pdf | LOE as recession was waived on the file. Received handwritten waiver, signed by the borrower, that waives the NORTC |
NC | Primary Residence | Refinance | Cash Out - Other | 8355231 | Originator Pre-Close | Yes | ||||
| 3803053 | XXXXXXX | XXXXXX | Closed | 2026-03-26 09:49 | 2026-04-06 08:54 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received acceptable Flood Cert. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached flood certificate. Section B(5) has been checked as No NFIP Map and therefore section B(1,2 and 4) are inapplicable. Section D confirms property in not in flood hazard are. Provided flood cert is acceptable. - Buyer-04/03/2026 Open-Flood Certificate is Partially Provided The flood certificate doesn't provide the map number, panel date, or flood zone. - Due Diligence Vendor-03/26/2026 |
Resolved-Received acceptable Flood Cert. Condition status changed to Resolved. - Due Diligence Vendor-04/06/2026 Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/06/2026 |
Flood Cert.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 8335279 | N/A | N/A | |||||
| 8395229 | XXXXXXX | XXXXXX | Closed | 2026-04-02 12:08 | 2026-04-10 09:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Senior Mortgage Statement | Resolved-Sufficient documentation provided. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. Pease find attached Mortgage(DOT) to verify Heloc is associated with subject. Please specify requirement for Note / Mortgage statement? - Seller-04/07/2026 Counter-Please provide note/mortgage statement for senior mortgage on subject property. Condition remains. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Senior lien is HELOC and payment(PI) is considered from credit report and taxes/insurance are calculated separately. Mortgage statement is not required. - Buyer-04/03/2026 Open-The Senior Mortgage Statement is missing from the file. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. Pease find attached Mortgage(DOT) to verify Heloc is associated with subject. Please specify requirement for Note / Mortgage statement? - Seller-04/07/2026 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-04/10/2026 |
Credit Report.pdf Mortgage.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 8457454 | N/A | N/A | ||||
| 8395229 | XXXXXXX | XXXXXX | Closed | 2026-03-26 15:10 | 2026-04-06 12:48 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for borrower dated within 7 business days of Note Date. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached VVOE within 10 business days of note date. - Buyer-04/03/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2026 |
Resolved-Received VVOE for borrower dated within 7 business days of Note Date. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/06/2026 |
VVOE.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8345569 | N/A | N/A | |||||
| 8395229 | XXXXXXX | XXXXXX | Closed | 2026-03-30 06:39 | 2026-04-06 12:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Received REO documentation for REO 3b on 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached REO documents - Buyer-04/03/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due Missing REO supporting documents. - Due Diligence Vendor-03/30/2026 |
Resolved-Received REO documentation for REO 3b on 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/06/2026 |
REO Documents.pdf No XXX Document.pdf |
PA | Primary Residence | Refinance | Cash Out - Other | 8380880 | N/A | N/A | |||||
| 8395229 | XXXXXXX | XXXXXX | Closed | 2026-04-02 12:18 | 2026-04-06 12:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Received evidence of hazard insurance for REO 3b on 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached REO documents - Buyer-04/03/2026 Open-Missing Evidence of Insurance for property 3b on final application - Due Diligence Vendor-04/02/2026 |
Resolved-Received evidence of hazard insurance for REO 3b on 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 |
REO Documents.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8457724 | N/A | N/A | |||||
| 8395229 | XXXXXXX | XXXXXX | Closed | 2026-04-02 12:19 | 2026-04-06 12:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Received evidence of property taxes for REO 3b on 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached REO documents - Buyer-04/03/2026 Open-Evidence of property taxes for property 3b on the final application not provided. - Due Diligence Vendor-04/02/2026 |
Resolved-Received evidence of property taxes for REO 3b on 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 |
REO Documents.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8457763 | N/A | N/A | |||||
| 8395229 | XXXXXXX | XXXXXX | Closed | 2026-04-02 12:17 | 2026-04-06 12:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for REO1 | Resolved-Received documentation for XXX on REO 3b. No XXX dues listed. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached No XXX documents - Seller-04/03/2026 Open-Missing Evidence of XXX Dues for REO1 listed 3b of final application - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. Please find attached No XXX documents - Seller-04/03/2026 |
Resolved-Received documentation for XXX on REO 3b. No XXX dues listed. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 |
No XXX Document.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 8457694 | N/A | N/A | ||||
| 6519621 | XXXXXXX | XXXXXX | Closed | 2026-04-01 12:11 | 2026-04-08 14:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Open-Audited CLTV of 72.37% exceeds Guideline CLTV of 65% Lender exception in file to exceed 65% CLTV and manual pricing. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/01/2026 | 1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
NC | Primary Residence | Refinance | Cash Out - Other | 8433604 | Originator Pre-Close | Yes | ||||||
| 3985207 | XXXXXXX | XXXXXX | Closed | 2026-04-07 15:16 | 2026-04-13 14:33 | Waived | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Waived-A policy exception to use future guideline next version making changes to allow asset depletion income to be used as per FNMA was provided post-closing. Lender provided approved exception dated same day as consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached Exception to use future guideline next version making changes to allow asset depletion income to be used as per FNMA. - Buyer-04/08/2026 Open-Lender guidelines require verification of source for Asset Depletion income. Please provide the origin of the assets, such as a distribution letter from an employer for severance packages or retirement distributions. Additional conditions may apply. - Due Diligence Vendor-04/07/2026 |
Waived-A policy exception to use future guideline next version making changes to allow asset depletion income to be used as per FNMA was provided post-closing. Lender provided approved exception dated same day as consummation and all lender compensating factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-04/13/2026 |
Exception Form..pdf | 1) Employment for an extended period at the same job. 2) 36+ Months 0x30 housing payment history. |
FL | Primary Residence | Refinance | Cash Out - Other | 8534121 | Originator Pre-Close | Yes | ||||
| 3985207 | XXXXXXX | XXXXXX | Closed | 2026-04-07 15:11 | 2026-04-13 14:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached Exception to use future guideline next version making changes to allow asset depletion income to be used as per FNMA. - Buyer-04/08/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender guidelines require verification of source for Asset Depletion income. Please provide the origin of the assets, such as a distribution letter from an employer for severance packages or retirement distributions. Additional conditions may apply. - Due Diligence Vendor-04/07/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/13/2026 |
Exception Form..pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8534061 | N/A | N/A | |||||
| 7213847 | XXXXXXX | XXXXXX | Closed | 2026-03-27 15:28 | 2026-04-06 14:50 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Received updated 1003 (Lender Loan Information) that shows no XXX dues for subject investment property. Condition status updated to resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached XXX document. XXX reflecting on 1008 is for primary residence and not subject property. Please also attached 1003 removing XXX from subject property. - Buyer-04/03/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-03/27/2026 |
Resolved-Received updated 1003 (Lender Loan Information) that shows no XXX dues for subject investment property. Condition status updated to resolved. - Due Diligence Vendor-04/06/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/06/2026 |
1008.pdf 1003.pdf XXX Document.pdf |
FL | Investment | Refinance | Cash Out - Other | 8367939 | N/A | N/A | |||||
| 7213847 | XXXXXXX | XXXXXX | Closed | 2026-03-27 15:30 | 2026-04-06 14:48 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received updated 1003 (Lender Loan Information) that shows no XXX dues for subject investment property. Condition status updated to resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached XXX document. XXX reflecting on 1008 is for primary residence and not subject property. Please also attached 1003 removing XXX from subject property. - Buyer-04/03/2026 Open-Subject Property XXX proof is missing in the document, please provide Supporting documents to verify - Due Diligence Vendor-03/27/2026 |
Resolved-Received updated 1003 (Lender Loan Information) that shows no XXX dues for subject investment property. Condition status updated to resolved. - Due Diligence Vendor-04/06/2026 |
1008.pdf XXX Document.pdf 1003.pdf |
FL | Investment | Refinance | Cash Out - Other | 8367965 | N/A | N/A | |||||
| 7213847 | XXXXXXX | XXXXXX | Closed | 2026-04-02 12:55 | 2026-04-06 14:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-Received documentation for XXX dues on Primary Residence listed on Final 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please find attached XXX document. XXX reflecting on 1008 is for primary residence and not subject property. Please also attached 1003 removing XXX from subject property. - Buyer-04/03/2026 Open-Missing Evidence of XXX Dues for Primary Residence Final 1008 indicates that the primary residence has an XXX fee. - Due Diligence Vendor-04/02/2026 |
Resolved-Received documentation for XXX dues on Primary Residence listed on Final 1003. Condition status changed to resolved. - Due Diligence Vendor-04/06/2026 |
1008.pdf 1003.pdf XXX Document.pdf |
FL | Investment | Refinance | Cash Out - Other | 8458893 | N/A | N/A | |||||
| 4803857 | XXXXXXX | XXXXXX | Closed | 2026-04-01 09:51 | 2026-04-13 15:33 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received PCCD. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-Resolved - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please see attached final SS. Funding date is XX/XX/XXXX. Please waive the condition. - Buyer-04/10/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. Additional conditions may apply. - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/01/2026 |
Resolved-Received PCCD. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-Resolved - Due Diligence Vendor-04/13/2026 |
XXXXXXXX ss.Pdf | CA | Primary Residence | Refinance | Cash Out - Other | 8428754 | N/A | N/A | |||||
| 3300548 | XXXXXXX | XXXXXX | Closed | 2026-04-09 09:57 | 2026-04-13 12:06 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received REO documentation (including mortgage statement) for borrower’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached REO documents - Buyer-04/10/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Please provide current mortgage statement for 1st lien listed on 1003 for Primary Residence. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-Received REO documentation (including mortgage statement) for borrower’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/13/2026 |
REO Documents.pdf | TX | Investment | Refinance | Cash Out - Other | 8575375 | N/A | N/A | |||||
| 3300548 | XXXXXXX | XXXXXX | Closed | 2026-04-09 10:09 | 2026-04-13 12:03 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received REO documentation (including mortgage statement) for borrower’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached REO documents - Buyer-04/10/2026 Open-Please provide current mortgage statement for 1st lien listed on 1003 for Primary Residence. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 |
Resolved-Received REO documentation (including mortgage statement) for borrower’s primary residence listed on 1003. Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 |
REO Documents.pdf | TX | Investment | Refinance | Cash Out - Other | 8576060 | N/A | N/A | |||||
| 8489170 | XXXXXXX | XXXXXX | Closed | 2026-04-06 09:47 | 2026-04-13 15:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. Please find attached borrower ID card without expiration date. An Arizona ID Card serves as official photo identification for residents who don't have a driver license. 65 age limit is for the Motor vehicle license that is issued by same agency and not for Identification (ID) Card. - Buyer-04/09/2026 Open-Missing Borrower Identification - Borrower 1. Please provide valid ID or driver's license for borrower. ID in file expired when borrower turned 65. Additional conditions may apply. - Due Diligence Vendor-04/06/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-04/13/2026 |
Photo ID.pdf Identification (ID) Card _ Department of Transportation.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 8499645 | N/A | N/A | |||||
| 8489170 | XXXXXXX | XXXXXX | Closed | 2026-04-08 11:40 | 2026-04-13 15:04 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/13/2026 Ready for Review-The package was delivered via fulfillment service hence there is no e-consent. Please waive the condition. - Buyer-04/09/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-04/08/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/13/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 8552744 | N/A | N/A | ||||||
| 9017842 | XXXXXXX | XXXXXX | Closed | 2026-04-07 14:07 | 2026-04-13 14:07 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Documentation showing package has been fulfilled on XX/XX/XXXX (383). Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/13/2026 Ready for Review-The package was delivered via fulfillment service hence there is no e-consent. Please waive the condition. - Buyer-04/08/2026 Open-E-Consent documentation is missing for borrower(s). E Consent documentation missing from loan file. Additional conditions may apply. - Due Diligence Vendor-04/07/2026 |
Resolved-Documentation showing package has been fulfilled on 03/18/2026 (383). Condition status changed to Resolved. - Due Diligence Vendor-04/13/2026 Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-04/13/2026 |
PA | Primary Residence | Refinance | Cash Out - Other | 8532748 | N/A | N/A | ||||||
| 7193831 | XXXXXXX | XXXXXX | Closed | 2026-05-28 11:53 | 2026-05-28 11:53 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Lender exception in file for minimum tradelines not met. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/28/2026 | Waived-Lender exception in file for minimum tradelines not met. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/28/2026 |
1) 36+ Months 0x30 housing payment history. 2) No derogatory events. |
CA | Primary Residence | Refinance | Cash Out - Other | 9426861 | Originator Pre-Close | Yes | |||||
| 9142529 | XXXXXXX | XXXXXX | Closed | 2026-06-03 15:19 | 2026-06-08 14:02 | Waived | 2 - Non-Material | Credit | Eligibility | Seasoning Requirements for Bankruptcy not met |
Waived-NOD file on investment property XX/XX/XXXX. Prior XXXXXX, loan was not reaffirmed. However, Lender provided approved exception dated prior Consummation and all lender compensating factors are met - Due Diligence Vendor-06/03/2026 | Waived-NOD file on investment property XX/XX/XXXX. Prior XXXXXX, loan was not reaffirmed. However, Lender provided approved exception dated prior Consummation and all lender compensating factors are met - Due Diligence Vendor-06/03/2026 |
1.DTI 28.27% vs 50% max 2.Employment for an extended period at the same job-14 years 3. 24 months of on time payments-575-598 with letter of explanation-600 4. FICO score 700 vs 714 max |
OR | Primary Residence | Refinance | Cash Out - Other | 9541635 | Originator Pre-Close | Yes | |||||
| 6129580 | XXXXXXX | XXXXXX | Closed | 2026-04-30 16:02 | 2026-07-09 13:45 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Waiver received to allow property acreage >10. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-05/22/2026 Counter-Document Uploaded. Please find attached exception for property size. - Seller-05/22/2026 Counter-Exception not provided. - Due Diligence Vendor-05/19/2026 Ready for Review- - Buyer-05/18/2026 Counter-Please provide a concise, accurate exception with valid compensating factors. - Due Diligence Vendor-05/15/2026 Ready for Review-This exception was approved pre-closing and there were no DTI issues that time. For DTI issue if exception is required that will be approved separately. - Seller-05/13/2026 Counter-Lender provided approved exception dated post consummation, however, all lender parameters and compensating factors on the exception form are not correct. CLTV should be 67.97% not 72.13%, Min score should be 680 not 660, Max CLTV should be 75% not 85% (DTI > 45%). Additionally, the excessive DTI issue has not been addressed. Audit DTI 57.64% > Lender 49.88%. 1st lien payment is $XXXX.XX not $XXXX.XX. All other debts/payments match the lender 1008. Provide a corrected Lender exception form and documentation to support the lender DTI calculation. - Due Diligence Vendor-05/05/2026 Ready for Review-PFA - Seller-05/05/2026 Open-Property type is ineligible due to > 10 acres. Guidelines do not allow lot sizes over 10 acres. - Due Diligence Vendor-04/30/2026 |
Ready for Review-This exception was approved pre-closing and there were no DTI issues that time. For DTI issue if exception is required that will be approved separately. - Seller-05/13/2026 Ready for Review-PFA - Seller-05/05/2026 |
Waived-Waiver received to allow property acreage >10. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-05/22/2026 |
XXXXX_XXXX_XXXXXXX_Loan Exception Report #XXXX.pdf XXXXX_XXXX_XXXXXXX_exception-XXXX.png XXXXX_XXXX_XXXXXXX_XXXXXXX Note for Interest Income.pdf XXXXX_XXXX_XXXXXXX_XXXXXXX Revised 1008.pdf XXXXX_XXXX_XXXXXXX_XXXXXXX Revised 1003.pdf XXXXX_XXXX_XXXXXXX_XXXXXXX Bank Statement Supporting Note.pdf Exception form.pdf |
CLTV 5% below maximum qualifying Credit score 10ps over minimum qualifying |
CA | Primary Residence | Refinance | Cash Out - Other | 8981174 | Investor Post-Close | No | |||
| 6129580 | XXXXXXX | XXXXXX | Closed | 2026-05-01 09:47 | 2026-07-09 13:45 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waiver received to allow DTI >50. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-05/22/2026 Open-Document Uploaded. Please find attached exception form for DTI - Seller-05/22/2026 Open-Audited DTI of 57.64% exceeds Guideline DTI of 50% due to a difference in the qualifying first lien principal and interest payment. - Due Diligence Vendor-05/01/2026 |
Waived-Waiver received to allow DTI >50. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-05/22/2026 |
Exception form.pdf | CLTV 5% below maximum qualifying Credit score 10ps over minimum qualifying credit score |
CA | Primary Residence | Refinance | Cash Out - Other | 8998905 | Investor Post-Close | No | ||||
| 6129580 | XXXXXXX | XXXXXX | Closed | 2026-05-01 09:50 | 2026-05-22 10:28 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/22/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Documentation provided in the loan file reports a higher qualifying first lien principal and interest payment than what was used by the lender. - Due Diligence Vendor-05/01/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/22/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 8998992 | N/A | N/A | ||||||
| 6249579 | XXXXXXX | XXXXXX | Closed | 2026-05-28 12:48 | 2026-05-28 12:48 | Waived | 2 - Non-Material | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Lender provided approved exception for Waive requiring prior 12 months business bank statements for decreasing income (25%) in the most recent 6 months which is dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/28/2026 | Waived-Lender provided approved exception for Waive requiring prior 12 months business bank statements for decreasing income (25%) in the most recent 6 months which is dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/28/2026 |
Compensating Factors: 1. CLTV <5% below the Maximum Qualifying. 2. 36+ Months 0x30 housing payment history. 3. Owned subject property 12 years. |
CA | Primary Residence | Refinance | Cash Out - Other | 9428540 | Originator Pre-Close | Yes | |||||
| 1148498 | XXXXXXX | XXXXXX | Closed | 2026-06-15 14:23 | 2026-06-16 15:46 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please find attached AVM dated XX/XX/XXXX with FSD score below 0.20, which is valid till XX/XX/XXXX. 1008 reflect guideline date of 05/21/2026 which require AVM to be within 60 days before the note date. - Buyer-06/16/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing secondary valuation. The secondary valuation in file has a FSD score of > 0.20 making it invalid. - Due Diligence Vendor-06/15/2026 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/16/2026 |
AVM.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9752927 | N/A | N/A | |||||
| 3037918 | XXXXXXX | XXXXXX | Closed | 2026-05-18 12:04 | 2026-06-16 15:35 | Waived | 2 - Non-Material | Credit | Closing | Collections, liens or judgments not paid at closing | Waived-Waiver provided to allow open judgment. Lender provided approved exception dated 5/2/26 and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Please find attached exception form to allow judgment of $X,XXX.XX documented on FraudGuard. - Buyer-06/12/2026 Counter-It's closed because a default judgment was issued. A default judgment is issued when you do not show up to court. The county website does not contain a satisfaction or any evidence of payment, but does have the judgement document. It is not our responsibility to prove it is not satisfied. It is the originator's responsibility to show it is. - Due Diligence Vendor-06/10/2026 Ready for Review-The document provided confirms that judgment has been closed. Case no on provided document and fraud report are matching which confirms case has been closed. Please provide county records the indicate judgment has not been satisfied. - Buyer-06/08/2026 Counter-Documentation provided is insufficient. Document indicates the case it closed. Closed due to a judgement being issues. Online search of county records indicate the judgment has not been satisfied. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please find attached document confirming judgment has been closed. - Buyer-06/03/2026 Counter-The fraud report dated, XX/XX/XXXX, shows the debt with XXXXXXX XXXXXX XXXXXXXXXX XXX as a Civil judgment filed XX/XX/XXXX. A case number is provided. Guidelines require judgments to be fully satisfied at or before closing. Provide verification the case number ending in XXXX is not actually a judgement or provide verification it was paid at or before closing. Condition remains. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Credit report liability 5 which is reported on fraud report is collection account with most recent reviewed date of XX/XXXX, As per guideline , For 1-Unit Primary Residences: Collection accounts may remain open, regardless of the amount. Please see screen of the guideline for reference. - Buyer-05/27/2026 Counter-Fraud report indicates the collection became a judgment XX/XX/XXXX, after date on submitted credit report. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. 5th liability on credit report is same civil judgment reported on Fraud Report. Liability is collection account which does not required to be paid-off regardless of the amount as per guideline 4-2-4-13 Major Adverse Credit. Also please see UW comment on 1008. - Buyer-05/19/2026 Open-Data Verify reflected a Judgment to B2 in the amount of $X,XXX.XX not being paid at close or verification of being paid prior to close. - Due Diligence Vendor-05/18/2026 |
Waived-Waiver provided to allow open judgment. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/16/2026 |
Credit Report.pdf Screenshot XX/XX/XXXX XXXXXXX.png Judgment closed.pdf image.png Exception Form.pdf |
CLTV 5% below max qualifying DTI 5% below qualifying Employment for an extending period |
CA | Primary Residence | Refinance | Cash Out - Other | 9254902 | Originator Pre-Close | Yes | ||||
| 7961624 | XXXXXXX | XXXXXX | Closed | 2026-06-01 09:38 | 2026-06-01 09:38 | Waived | 2 - Non-Material | Credit | Eligibility | Subject property does not meet guidelines | Waived-Exception to allow property with more than 10 acres - subject is [redacted] acres. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/01/2026 | Waived-Exception to allow property with more than 10 acres - subject is [redacted] acres. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/01/2026 |
CLTV <5% below the Maximum Qualifying CLTV is 31.80%. Employment for an extended period at the same job 15 years. | CO | Primary Residence | Refinance | Cash Out - Other | 9478935 | Originator Pre-Close | Yes | |||||
| 5834373 | XXXXXXX | XXXXXX | Closed | 2026-06-11 14:39 | 2026-06-16 16:35 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided initial amount for the transfer taxes which were rounded down on the initial LE. - Due Diligence Vendor-06/16/2026 Resolved-Resolved - Due Diligence Vendor-06/16/2026 Ready for Review-The initial LE was disclosed with transfer taxes $XXX.XX. The cure would be 19.5 for the due diligence fee and $XXX.XX for the transfer taxes leading to total cure of $XXX.XX - Buyer-06/15/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 |
Resolved-Lender provided initial amount for the transfer taxes which were rounded down on the initial LE. - Due Diligence Vendor-06/16/2026 Resolved-Resolved - Due Diligence Vendor-06/16/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 9700703 | N/A | N/A | ||||||
| 5834373 | XXXXXXX | XXXXXX | Closed | 2026-06-11 14:39 | 2026-06-16 16:35 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided initial amount for the transfer taxes which were rounded down on the initial LE. - Due Diligence Vendor-06/16/2026 Resolved-Resolved - Due Diligence Vendor-06/16/2026 Ready for Review-The initial LE was disclosed with transfer taxes $XXX.XX. The cure would be 19.5 for the due diligence fee and $XXX.XX for the transfer taxes leading to total cure of $XXX.XX - Buyer-06/15/2026 Open- - Due Diligence Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) 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-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 |
Resolved-Lender provided initial amount for the transfer taxes which were rounded down on the initial LE. - Due Diligence Vendor-06/16/2026 Resolved-Resolved - Due Diligence Vendor-06/16/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 9700702 | N/A | N/A | ||||||
| 7403258 | XXXXXXX | XXXXXX | Closed | 2026-05-29 09:58 | 2026-05-30 07:17 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/30/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/29/2026 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/30/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9451129 | N/A | N/A | ||||||
| 2653907 | XXXXXXX | XXXXXX | Closed | 2026-05-28 15:36 | 2026-05-30 15:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of XXX Dues for Primary Residence | Resolved-Received XXX verification. - Due Diligence Vendor-05/30/2026 Ready for Review-Document Uploaded. Please find attached XXX documentation. - Seller-05/29/2026 Open-Missing Evidence of XXX Dues for Primary Residence Please provide documentation for subject property XXX Dues. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Please find attached XXX documentation. - Seller-05/29/2026 |
Resolved-Received XXX verification. - Due Diligence Vendor-05/30/2026 |
XXX Document.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 9434464 | N/A | N/A | ||||
| 2653907 | XXXXXXX | XXXXXX | Closed | 2026-05-28 14:19 | 2026-05-30 15:09 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-. - Due Diligence Vendor-05/30/2026 Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-05/30/2026 Ready for Review-Document Uploaded. Please find attached SSI award letter. - Seller-05/29/2026 Open-Borrower 1 Award Letter Missing Lender Guidelines require the award letter or 1099 to document Social Security Income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Ready for Review-Document Uploaded. Please find attached SSI award letter. - Seller-05/29/2026 |
Resolved-. - Due Diligence Vendor-05/30/2026 Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-05/30/2026 |
Social Security Award Letter.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 9431202 | N/A | N/A | ||||
| 2653907 | XXXXXXX | XXXXXX | Closed | 2026-05-28 15:33 | 2026-05-30 15:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-. - Due Diligence Vendor-05/30/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-05/30/2026 Ready for Review-Document Uploaded. Please find attached XXX documentation. - Buyer-05/29/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Please provide documentation for subject property XXX Dues. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Resolved-. - Due Diligence Vendor-05/30/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-05/30/2026 |
XXX Document.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 9434413 | N/A | N/A | |||||
| 2653907 | XXXXXXX | XXXXXX | Closed | 2026-05-28 15:19 | 2026-05-30 15:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-05/30/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/30/2026 Ready for Review-Document Uploaded. Pleaser find attached SSI award letter. - Buyer-05/29/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender Guidelines require the award letter or 1099 to document Social Security Income. Both documents are missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Resolved-. - Due Diligence Vendor-05/30/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/30/2026 |
Social Security Award Letter.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 9433866 | N/A | N/A | |||||
| 8543845 | XXXXXXX | XXXXXX | Closed | 2026-05-28 13:35 | 2026-06-04 15:37 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2026 Ready for Review-Please find attached paystub within 10 days of closing in lieu of VVOE. - Buyer-06/02/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/28/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2026 |
Paystub Within 10 business days.pdf | GA | Primary Residence | Purchase | NA | 9429844 | N/A | N/A | |||||
| 5276070 | XXXXXXX | XXXXXX | Closed | 2026-05-19 14:39 | 2026-05-28 16:26 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received confirmation of the actual Disbursement date. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached disbursement ledger and settlement statement to confirm funding date is XX/XX/XXXX - Buyer-05/26/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The Mortgage/DOT reflected a Notary date of XX/XX/XXXX. The Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX and signature date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 Open- - Due Diligence Vendor-05/19/2026 |
Resolved-Received confirmation of the actual Disbursement date. - Due Diligence Vendor-05/28/2026 |
XXXXXXXX SS.pdf XXXXXXXX DL.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9284131 | N/A | N/A | |||||
| 1196906 | XXXXXXX | XXXXXX | Closed | 2026-06-03 14:02 | 2026-06-09 09:50 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.16% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please find attached VOI. - Buyer-06/08/2026 Open-Audited DTI of 51.39% exceeds Guideline DTI of 50% Audited DTI Exceeds AUS DTI due missing income documentation to show Overtime and Bonus income being used for qualification - Due Diligence Vendor-06/03/2026 |
Resolved-Audited DTI of 44.16% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/09/2026 |
VOI.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9539743 | N/A | N/A | |||||
| 1196906 | XXXXXXX | XXXXXX | Closed | 2026-06-04 07:38 | 2026-06-09 09:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please find attached VOI. - Buyer-06/08/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per the lender worksheet and Final 1003, the bonus income is $XXX.XX and overtime income is $XXX.XX. However, only a one-month paystub was provided to calculate this income, and the XXXX and XXXX overtime and bonus history is missing. Please provide a Written Verification of Employment (WVOE) to break down and calculate the overtime and bonus income - Due Diligence Vendor-06/04/2026 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/09/2026 |
VOI.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9553151 | N/A | N/A | |||||
| 1196906 | XXXXXXX | XXXXXX | Closed | 2026-06-05 12:09 | 2026-06-09 09:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Please find attached VOI. - Buyer-06/08/2026 Open-Borrower 1 WVOE Missing - Due Diligence Vendor-06/05/2026 |
Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-06/09/2026 |
VOI.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9585521 | N/A | N/A | |||||
| 6058551 | XXXXXXX | XXXXXX | Closed | 2026-06-05 12:27 | 2026-06-05 12:29 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.03% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/05/2026 | Waived-Audited DTI of 49.03% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/05/2026 |
Compensating factors of required credit score >10+ points, 36+ month housing payment history | CA | Primary Residence | Refinance | Cash Out - Other | 9586105 | Originator Pre-Close | Yes | |||||
| 5590432 | XXXXXXX | XXXXXX | Closed | 2026-06-12 11:39 | 2026-06-12 11:39 | Waived | 2 - Non-Material | Credit | Eligibility | Mortgage/Rental lates exceed guidelines | Waived-2x30 mortgage lates within 24 months, per Guidelines A minimum of three years of mortgage history with no 30-day late payments (0x30) LOE present in the loan file. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-06/12/2026 |
Waived-2x30 mortgage lates within 24 months, per Guidelines A minimum of three years of mortgage history with no 30-day late payments (0x30) LOE present in the loan file. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-06/12/2026 |
CLTV 65.89% vs 75% max FICO 722 vs 660 Max DTI 39.28% vs 50% Max |
NC | Primary Residence | Refinance | Cash Out - Other | 9722094 | Originator Pre-Close | Yes | |||||
| 3375026 | XXXXXXX | XXXXXX | Closed | 2026-06-18 14:45 | 2026-06-24 11:47 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Lender provided XXX Documentation - Due Diligence Vendor-06/24/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached XXX document along with updated 1008. - Buyer-06/23/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements XXX for the subject property is missing in the file. - Due Diligence Vendor-06/18/2026 |
Resolved-Lender provided XXX Documentation - Due Diligence Vendor-06/24/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-06/24/2026 |
1008 - Transmittal Summary.pdf XXX Document.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9828384 | N/A | N/A | |||||
| 3375026 | XXXXXXX | XXXXXX | Closed | 2026-06-22 10:23 | 2026-06-24 11:47 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided XXX Documentation - Due Diligence Vendor-06/24/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached XXX document along with updated 1008. - Buyer-06/23/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-06/22/2026 |
Resolved-Lender provided XXX Documentation - Due Diligence Vendor-06/24/2026 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-06/24/2026 |
1008 - Transmittal Summary.pdf XXX Document.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9865043 | N/A | N/A | |||||
| 3375026 | XXXXXXX | XXXXXX | Closed | 2026-06-18 14:54 | 2026-06-24 11:47 | Resolved | 1 - Information | Property | Missing Doc | Missing XXX/Condo Certification | Resolved-Lender provided XXX Documentation - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached XXX document along with updated 1008. - Buyer-06/23/2026 Open-Missing XXX for the Subject property. - Due Diligence Vendor-06/18/2026 |
Resolved-Lender provided XXX Documentation - Due Diligence Vendor-06/24/2026 |
XXX Document.pdf 1008 - Transmittal Summary.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9828757 | N/A | N/A | |||||
| 1648470 | XXXXXXX | XXXXXX | Closed | 2026-05-28 15:49 | 2026-07-09 10:36 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 40.22% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please find attached 1003 with updated income. As per guideline for overtime/other income we require most recent paystub and two years’ W-2s. which are already present in file. Overtime/other income for XXXX and XXXX are calculated by using back calculation by deducting annualize base income from W2's and residual income left has been considered as overtime/other income, which is acceptable source of calculating income. - Buyer-06/05/2026 Counter-Received Income worksheet and new 1008. Provide verification of XXXX and XXXX YTD overtime/other income breakdown. Also, provide a 1003 with corrected income. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please find attached updated income worksheet and 1008 which include other income of $X,XXX.XX. Other income is consist of "Time & Half Time, Double Time Hours & Vacation/Supplemental Dues". Considered Other income for the year XXXX and XXXX by deducting annual regular pay from W2 income of XXXX and XXXX. DTI is 40.52%. - Buyer-06/01/2026 Open-Audited DTI of 46.37% exceeds Guideline DTI of 43% As per GL section 4-4-4, DTI to be restricted to 43% for FICO of 680 and CLTV of 80%. Audit included Garnishment payment of $XXX.XX/monthly as per paystub which was not included initially increasing DTI to 46.37% from 42.786%. - Due Diligence Vendor-05/28/2026 |
Resolved-Audited DTI of 40.22% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-06/08/2026 |
1008 - Transmittal Summary.pdf Income Worksheet.pdf 1003 Updated.pdf image.png image.png |
CA | Primary Residence | Refinance | Cash Out - Other | 9434833 | N/A | N/A | |||||
| 1648470 | XXXXXXX | XXXXXX | Closed | 2026-05-29 10:37 | 2026-06-08 13:36 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please find attached 1003 with updated income. As per guideline for overtime/other income we require most recent paystub and two years’ W-2s. which are already present in file. Overtime/other income for XXXX and XXXX are calculated by using back calculation by deducting annualize base income from W2's and residual income left has been considered as overtime/other income, which is acceptable source of calculating income. - Buyer-06/05/2026 Counter-Received Income worksheet and new 1008. Provide verification of XXXX and XXXX YTD overtime/other income breakdown. Also, provide a 1003 with corrected income. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please find attached updated income worksheet and 1008 which include other income of $X,XXX.XX. Other income is consist of "Time & Half Time, Double Time Hours & Vacation/Supplemental Dues". Considered Other income for the year XXXX and XXXX by deducting annual regular pay from W2 income of XXXX and XXXX. After including garnishment DTI is 40.52%. - Buyer-06/01/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements As per GL section 4-4-4, DTI to be restricted to 43% for FICO of 680 and CLTV of 80%. Audit included Garnishment payment of $XXX.XX/monthly as per paystub which was not included initially increasing DTI to 46.37% from 42.786%. - Due Diligence Vendor-05/29/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/08/2026 |
Income Worksheet.pdf 1008 - Transmittal Summary.pdf 1003 Updated.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9452166 | N/A | N/A | |||||
| 1648470 | XXXXXXX | XXXXXX | Closed | 2026-05-28 15:06 | 2026-05-28 15:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/28/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/28/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 9433507 | Investor Post-Close | No | ||||||
| 2677915 | XXXXXXX | XXXXXX | Closed | 2026-05-14 10:20 | 2026-07-02 15:40 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Please find attached exception form to allow deferred balances from loan modification - Buyer-05/19/2026 Counter-Based on the deferral agreement provided which states the deferred amount will not be owed until the maturity date of the loan, this in turn make it a ballon. Therefore, an exception is required. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please find attached Deferment Agreement, deferment agreement was due to covid and waiting period for the same has been met, there is no modification agreement. As per 4-3-5 Senior Mortgage, exception for deferred balances are only required in case senior lien with a balloon payment during the life of our loan. Senior lien does not have a balloon payment. - Buyer-05/15/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements 1. Please provide all pages of the loan modification agreement. Additional conditions may apply. 2. Lender guidelines require an exception for deferred balances from loan modifications. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/14/2026 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/22/2026 |
Partial Dererral Agreement.pdf Exception Form.pdf |
CO | Primary Residence | Refinance | Cash Out - Other | 9201249 | N/A | N/A | |||||
| 2677915 | XXXXXXX | XXXXXX | Closed | 2026-05-14 10:29 | 2026-05-22 09:47 | Waived | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Waived-Waiver received to accept deferred balance from loan mod. Lender provided approved exception dated prior to origination OR post-closing 5/2/26 and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-05/22/2026 Counter-Based on the deferral agreement provided which states the deferred amount will not be owed until the maturity date of the loan, this in turn make it a balloon. Therefore, an exception is required. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please find attached exception form to allow deferred balances from loan modification - Buyer-05/19/2026 Ready for Review-Document Uploaded. Please find attached Deferment Agreement, deferment agreement was due to covid and waiting period for the same has been met, there is no modification agreement. As per 4-3-5 Senior Mortgage, exception for deferred balances are only required in case senior lien with a balloon payment during the life of our loan. Senior lien does not have a balloon payment. - Buyer-05/15/2026 Open-1. Please provide all pages of the loan modification agreement. Additional conditions may apply. 2. Lender guidelines require an exception for deferred balances from loan modifications. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/14/2026 |
Waived-Waiver received to accept deferred balance from loan mod. Lender provided approved exception dated prior to origination OR post-closing XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-05/22/2026 |
Partial Dererral Agreement.pdf Exception Form.pdf |
Employment for an extended period at the same job 36 mo 0x30 housing payment history. |
CO | Primary Residence | Refinance | Cash Out - Other | 9201417 | Originator Pre-Close | Yes | ||||
| 2116198 | XXXXXXX | XXXXXX | Closed | 2026-06-02 10:18 | 2026-06-09 16:08 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-5/14 dated PCCD. - Due Diligence Vendor-06/09/2026 Counter-P 155. 5/14. The title company increased the recording fee by $XX during rescission. - Due Diligence Vendor-06/09/2026 Ready for Review-You already have final CD signed XX/XX/XXXX on page 202-208 - Seller-06/08/2026 Counter-Final CD was wet-signed by borrower XX/XX/XXXX, Rescission must be reopened. Provide LOX to borrower, revised NORTC forms and proof of delivery. Findings will be cleared at the close of the revised recission period. - 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. Recession date is XX/XX/XXXX as per the closing date. Please waive the condition. - Buyer-06/05/2026 Open- - Due Diligence Vendor-06/04/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The disclosed Right to Cancel Expire Date is 05/152026 updated as per document. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Ready for Review-You already have final CD signed XX/XX/XXXX on page 202-208 - Seller-06/08/2026 |
Resolved-XX/XX dated PCCD. - Due Diligence Vendor-06/09/2026 |
XXXXXXXX nortc.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9504773 | N/A | N/A | ||||
| 2116198 | XXXXXXX | XXXXXX | Closed | 2026-06-02 10:18 | 2026-06-09 16:08 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-5/14 dated PCCD. - Due Diligence Vendor-06/09/2026 Counter-P 155. 5/14. The title company increased the recording fee by $XX during rescission. - Due Diligence Vendor-06/09/2026 Ready for Review-You already have final CD signed XX/XX/XXXX on page 202-208 - Seller-06/08/2026 Counter-Final CD was wet-signed by borrower XX/XX/XXXX, Rescission must be reopened. Provide LOX to borrower, revised NORTC forms and proof of delivery. Findings will be cleared at the close of the revised recission period. - 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. closing date is XX/XX/XXXX, recession date should be XX/XX/XXXX only. - Buyer-06/05/2026 Open- - Due Diligence Vendor-06/04/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The disclosed Right to Cancel Expire Date is XX/XX/XXXX updated as per document. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Ready for Review-You already have final CD signed XX/XX/XXXX on page 202-208 - Seller-06/08/2026 |
Resolved-XX/XX dated PCCD. - Due Diligence Vendor-06/09/2026 |
XXXXXXXX nortc.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9504772 | N/A | N/A | ||||
| 2116198 | XXXXXXX | XXXXXX | Closed | 2026-05-29 03:29 | 2026-06-08 11:32 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please find attached Flood Certificate. - Buyer-06/05/2026 Open-Missing Flood Certificate - Due Diligence Vendor-05/29/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/08/2026 |
Flood Certificate.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9443359 | N/A | N/A | |||||
| 2161657 | XXXXXXX | XXXXXX | Closed | 2026-06-03 07:59 | 2026-06-11 09:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Please find attached payoff statement. - Buyer-06/09/2026 Open-Missing Payoff Statement for prior loan. Missing Payoff Statement. - Due Diligence Vendor-06/03/2026 |
Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-06/11/2026 |
Payoff Statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9526163 | N/A | N/A | |||||
| 4374669 | XXXXXXX | XXXXXX | Closed | 2026-06-01 09:15 | 2026-07-09 13:10 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please find attached AVM with FSD below 20 and updated 1008. - Buyer-06/02/2026 Open-Appraisal or other primary valuation product is missing Lender guidelines require an acceptable AVM to have a FSD of 20 or below. The loan file only contains an AVM with a FSD exceeding 20. The loan file is missing a valuation product meeting Lender guideline requirements. - Due Diligence Vendor-06/01/2026 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-06/04/2026 |
1008 - Transmittal Summary.pdf AVM.pdf |
TX | Primary Residence | Refinance | Cash Out - Other | 9478439 | N/A | N/A | |||||
| 3177339 | XXXXXXX | XXXXXX | Closed | 2026-06-17 10:39 | 2026-07-02 15:41 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Guideline says VVOE should be within 10 business days. Please find attached guideline screen shot and 10 business days calculator confirming VVOE's are good through 06/10/2026. - Seller-06/19/2026 Counter-Lender provided Borrower 1 3rd Party VOE Prior to Close completed, however it is not within 10 days of the Note. VVOE dated XX/XX/XXXX and Note date XX/XX/XXXX, which is 14 days from the Note. condition remains. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. - Seller-06/18/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements 1) VVOE for Borrower 1 in file is not fully completed. Borrower is Currently Employed section is not completed. Additional conditions may apply. 2) VVOE for Borrower 2 in file is not fully completed. Borrower is Currently Employed section is not completed. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. Guideline says VVOE should be within 10 business days. Please find attached guideline screen shot and 10 business days calculator confirming VVOE's are good through XX/XX/XXXX. - Seller-06/19/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. - Seller-06/18/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/23/2026 |
VVOE2.pdf VVOE.pdf Business Date Calculator.pdf Screenshot XX/XX/XXXX XXXXXXX.png |
AZ | Second Home | Refinance | Cash Out - Other | 9793376 | N/A | N/A | ||||
| 3177339 | XXXXXXX | XXXXXX | Closed | 2026-06-17 10:39 | 2026-06-23 09:29 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Guideline says VVOE should be within 10 business days. Please find attached guideline screen shot and 10 business days calculator confirming VOE are good through 06/10/2026. - Buyer-06/19/2026 Counter-Lender provided Borrower 1 3rd Party VOE Prior to Close completed, however it is not within 10 days of the Note. VVOE dated XX/XX/XXXX and Note date XX/XX/XXXX, which is 14 days from the Note. condition remains. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. - Seller-06/18/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE for Borrower 1 in file is not fully completed. Borrower is Currently Employed section is not completed. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. Please find attached VVOE's. - Seller-06/18/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/23/2026 |
VVOE.pdf VVOE2.pdf Business Date Calculator.pdf Screenshot XX/XX/XXXX XXXXXXX.png |
AZ | Second Home | Refinance | Cash Out - Other | 9793374 | N/A | N/A | ||||
| 3177339 | XXXXXXX | XXXXXX | Closed | 2026-06-17 10:39 | 2026-06-23 09:29 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Guideline says VVOE should be within 10 business days. Please find attached guideline screen shot and 10 business days calculator confirming VVOE's are good through XX/XX/XXXX. - Seller-06/19/2026 Counter-Lender provided Borrower 2 3rd Party VOE Prior to Close completed, however it is not within 10 days of the Note. VVOE dated XX/XX/XXXX and Note date XX/XX/XXXX, which is 14 days from the Note. condition remains. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached VVOE's. - Buyer-06/18/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE for Borrower 2 in file is not fully completed. Borrower is Currently Employed section is not completed. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. Guideline says VVOE should be within 10 business days. Please find attached guideline screen shot and 10 business days calculator confirming VVOE's are good through XX/XX/XXXX. - Seller-06/19/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/23/2026 |
VVOE.pdf VVOE2.pdf Screenshot XX/XX/XXXX XXXXXXX.png Business Date Calculator.pdf |
AZ | Second Home | Refinance | Cash Out - Other | 9793375 | N/A | N/A | ||||
| 3177339 | XXXXXXX | XXXXXX | Closed | 2026-06-17 07:42 | 2026-06-19 12:28 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 84.98% exceeds Guideline CLTV of 80% Exception to go up to 85% CLTV for second home with FICO score of 687. Lender provided approved exception dated 5/4/26 and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached exception from to go with CLTV till 85%. - Seller-06/18/2026 Open-Audited CLTV of 84.98% exceeds Guideline CLTV of 80% The Audited CLTV of 84.98% exceeds Guideline CLTV of 80%. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Ready for Review-Document Uploaded. Please find attached exception from to go with CLTV till 85%. - Seller-06/18/2026 |
Waived-Audited CLTV of 84.98% exceeds Guideline CLTV of 80% Exception to go up to 85% CLTV for second home with FICO score of 687. Lender provided approved exception dated 5/4/26 and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/19/2026 |
Exception Form approval.pdf | DTI 35.07% vs 50% Reserves 42.46 mos./$XXX,XXX.XX 36+ Months 0x30 housing payment history |
AZ | Second Home | Refinance | Cash Out - Other | 9788822 | Originator Pre-Close | Yes | |||
| 2862858 | XXXXXXX | XXXXXX | Closed | 2026-06-18 04:41 | 2026-06-23 16:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Senior Mortgage Statement | Resolved-Lender provided Senior Lien Documentation. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Please find attached CD, Note of senior lien that has been refinance recently. - Buyer-06/23/2026 Open-The Senior Mortgage Statement is missing from the file. Senior Lien mortgage is missing in file - Due Diligence Vendor-06/18/2026 |
Resolved-Lender provided Senior Lien Documentation. - Due Diligence Vendor-06/23/2026 |
Senior Lien Documentation.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9812440 | N/A | N/A | |||||
| 2862858 | XXXXXXX | XXXXXX | Closed | 2026-06-18 03:34 | 2026-06-23 16:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-Resolved - ICD document provided dated - XX/XX/XXXX - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. ICD was sent on XX/XX/XXXX not XX/XX/XXXX - Buyer-06/23/2026 Open- - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 Open-The Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after (XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-06/18/2026 Open- - Due Diligence Vendor-06/18/2026 |
Resolved-Resolved - ICD document provided dated - 5/20 - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXXX icd.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9811033 | N/A | N/A | |||||
| 7144342 | XXXXXXX | XXXXXX | Closed | 2026-05-28 09:03 | 2026-06-04 10:58 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Please find attached Flood Certificate - Buyer-06/01/2026 Open-Missing Flood Certificate - Due Diligence Vendor-05/28/2026 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/04/2026 |
Flood Certificate.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9421166 | N/A | N/A | |||||
| 2627544 | XXXXXXX | XXXXXX | Closed | 2026-05-28 12:54 | 2026-06-08 11:25 | Waived | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Waived-Waiver with valid compensating factors provided. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. Please find attached updated Exception form. - Buyer-06/05/2026 Counter-Lender provided approved exception dated prior to consummation, however the lender compensating factors have not been validated. 19 yrs 6 months employment at the same job is incorrect per the VVOE and final 1003. 19.5 yrs is same line of work per the final 1003. Exception to allow deferred balance from loan modification. Provide a corrected Lender exception form. Condition remains. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please find attached complete Payment Deferral Agreement and exception for deferred balances from loan modifications. There is not additional modification agreement. - Buyer-06/01/2026 Open-1. Please provide all pages of the loan modification agreement. Additional conditions may apply. 2. Lender guidelines require an exception for deferred balances from loan modifications. Required documentation is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-05/28/2026 |
Waived-Waiver with valid compensating factors provided. Lender provided approved exception dated XX/XX/XXXX and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/08/2026 |
Payment Deferral Aggreement.pdf Exception Form.pdf image.png |
DTI > 5% below max qualifying Minimal debts/revolving accounts |
CA | Primary Residence | Refinance | Cash Out - Other | 9428681 | Originator Pre-Close | Yes | ||||
| 9586669 | XXXXXXX | XXXXXX | Closed | 2026-05-29 15:26 | 2026-07-09 10:20 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Borrower is owner of daycare and works from home. Please find attached license which is valid till future date and is acceptable source of business existence also bank statement present in file confirms business is still active. - Buyer-06/01/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Lender guidelines require co-borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Unable to use business bank statement for VVOE and Business License in file is not recently dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-05/29/2026 |
Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-06/04/2026 |
Business License.pdf Bank Statements.pdf |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9460531 | N/A | N/A | |||||
| 9586669 | XXXXXXX | XXXXXX | Closed | 2026-05-29 15:26 | 2026-06-04 12:20 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Borrower is owner of daycare and works from home. Please find attached license which is valid till future date and is acceptable source of business existence also bank statement present in file confirms business is still active. - Buyer-06/01/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Lender guidelines require co-borrower's self-employment to be verified through a third-party source within 60 days of the Note Date. Verification of the business's existence can be verified through a CPA, regulatory agency, applicable licensing bureau, or Secretary of State website. Unable to use business bank statement for VVOE and Business License in file is not recently dated so cannot verify that it was provided within 60 days of Note Date. Additional conditions may apply. - Due Diligence Vendor-05/29/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/04/2026 |
Business License.pdf Bank Statements.pdf |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9460530 | N/A | N/A | |||||
| 3458311 | XXXXXXX | XXXXXX | Closed | 2026-06-05 09:41 | 2026-06-05 12:32 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 84.98% exceeds Guideline CLTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/05/2026 | Waived-Audited CLTV of 84.98% exceeds Guideline CLTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/05/2026 |
Compensating factor 7.9 months on same job, 36+ months housing payment history | FL | Primary Residence | Refinance | Cash Out - Other | 9579403 | Originator Pre-Close | Yes | |||||
| 3458311 | XXXXXXX | XXXXXX | Closed | 2026-06-05 09:41 | 2026-06-05 12:32 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 84.98% exceeds Guideline HCLTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/05/2026 | Waived-Audited HLTV of 84.98% exceeds Guideline HCLTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/05/2026 |
Compensating factor 7.9 months on same job, 36+ months housing payment history | FL | Primary Residence | Refinance | Cash Out - Other | 9579404 | Originator Pre-Close | Yes | |||||
| 6097652 | XXXXXXX | XXXXXX | Closed | 2026-06-03 06:40 | 2026-06-10 14:34 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-06/08/2026 Open-The Deed of Trust is Incomplete First page of Deed of Trust is missing from the loan file. - Due Diligence Vendor-06/04/2026 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-06/10/2026 |
XXXXX dot.pdf | Mortgage History 0x30 - Mortgage history 1x30 vs 0x30, Per Guidelines a minimum of three years of mortgage history with no 30-day late payments (0x30). A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. |
CA | Investment | Refinance | Cash Out - Other | 9524882 | N/A | N/A | ||||
| 1346737 | XXXXXXX | XXXXXX | Closed | 2026-05-28 08:04 | 2026-07-09 14:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/09/2026 Open-RESPA: Servicing Transfer Notice Missing. Servicing Transfer Notice Missing. - Due Diligence Vendor-05/28/2026 |
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/09/2026 |
MI | Primary Residence | Refinance | Cash Out - Other | 9419955 | Investor Post-Close | No | ||||||
| 2880961 | XXXXXXX | XXXXXX | Closed | 2026-06-22 15:44 | 2026-07-09 07:37 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.89% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Rental income has be correctly calculated. Please find attached rental calculation work sheet and lease agreement and tax return for reference. - Buyer-06/23/2026 Open-Audited DTI of 50.8% exceeds Guideline DTI of 50% Lender 1008 shows DTI of 47.88%, Audit calculated higher REO loss on both Investment properties, verified by Schedule E or Lease and most recent mortgage statement. Audit DTI is 50.80%. Max DTI per guidelines is 50%. - Due Diligence Vendor-06/22/2026 |
Resolved-Audited DTI of 47.89% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/24/2026 |
Rental Income Calculation.pdf Lease Agreement.pdf Tax Returns.pdf |
OR | Primary Residence | Refinance | Cash Out - Other | 9875001 | N/A | N/A | |||||
| 5735315 | XXXXXXX | XXXXXX | Closed | 2026-06-17 08:41 | 2026-06-24 13:52 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided documentation of DTI up to 50% - Due Diligence Vendor-06/24/2026 Resolved-Audited DTI of 44.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. As per guideline 4-4-4: Loans exceeding the standard DTI threshold of 43% remain eligible up to a maximum DTI of 50%, subject to a documented DTI pricing adjustment. Please find the attached Rate lock and Pricing. This is HELOAN and using interest rate 7.875% per Buydown 2 option and adjusted rate per attached matrix is 8.125% which is used to qualify. - Buyer-06/23/2026 Open-Audited DTI of 44.93% exceeds Guideline DTI of 43% As per GL section 4-4-4, DTI to be restricted to 43% for LTV/CLTV/HCLTV of % and qualifying FICO of 680 however Audited DTI is 44.93% and exceeds GL limit. - Due Diligence Vendor-06/17/2026 |
Resolved-Lender provided documentation of DTI up to 50% - Due Diligence Vendor-06/24/2026 Resolved-Audited DTI of 44.93% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/24/2026 |
Screenshot XX/XX/XXXX XXXXXXX.png Screenshot XX/XX/XXXX XXXXXXX.png Screenshot XX/XX/XXXX XXXXXXX.png Product and Pricing.pdf |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 9789880 | N/A | N/A | |||||
| 5880783 | XXXXXXX | XXXXXX | Closed | 2026-06-18 15:37 | 2026-06-24 11:36 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached title document. - Buyer-06/23/2026 Open-Title Document is missing - Due Diligence Vendor-06/18/2026 |
Resolved-Title Document is not Missing - Due Diligence Vendor-06/24/2026 |
Title Report.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9830497 | N/A | N/A | |||||
| 5880783 | XXXXXXX | XXXXXX | Closed | 2026-06-18 15:07 | 2026-06-24 11:35 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached paystub within 10 business days of note date in lieu of VVOE. - Buyer-06/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/18/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/24/2026 |
Paystub Within 10 business days.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9829064 | N/A | N/A | |||||
| 9076268 | XXXXXXX | XXXXXX | Closed | 2026-06-11 14:17 | 2026-06-11 14:17 | Waived | 2 - Non-Material | Credit | Eligibility | Credit report age exceeds guidelines - Borrower 1 | Waived-Exception to allow credit report good for 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 | Waived-Exception to allow credit report good for 90 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/11/2026 |
DTI <5% below the Maximum Qualifying. Credit Score >/= 10+ Points more than qualifying. | PA | Primary Residence | Refinance | Cash Out - Other | 9700317 | Originator Pre-Close | Yes | |||||
| 9285266 | XXXXXXX | XXXXXX | Closed | 2026-06-18 15:03 | 2026-06-18 15:03 | Waived | 2 - Non-Material | Credit | Eligibility | As Repaired Value exceeds guidelines |
Waived-Cost to cure exceeds $X,XXX.XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/18/2026 | Waived-Cost to cure exceeds $X,XXX.XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/18/2026 |
CLTV <5% below the Maximum Qualifying 61.029%. 36+ Months0x30 housing payment history 0x30 (63 mo.). | OR | Primary Residence | Refinance | Cash Out - Other | 9828971 | Originator Pre-Close | Yes | |||||
| 2112808 | XXXXXXX | XXXXXX | Closed | 2026-06-19 08:36 | 2026-06-24 13:55 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached two valuation report. - Buyer-06/23/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a legible copy of either (1) an additional AVM from the time of origination, or (2) a CDA supporting the value used in qualification. - Due Diligence Vendor-06/19/2026 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/24/2026 |
AVMs.pdf | CA | Investment | Refinance | Cash Out - Other | 9841648 | N/A | N/A | |||||
| 2955916 | XXXXXXX | XXXXXX | Closed | 2026-06-19 13:59 | 2026-06-23 16:25 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Borrower is barber by profession. Please find attached business license valid till XX/XX/XXXX. - Buyer-06/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verification of the existence of the borrower's business through a third-party source within 60 days of the Note date for a self-employed borrower. - Due Diligence Vendor-06/19/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/23/2026 |
License.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 9847448 | N/A | N/A | |||||
| 2955916 | XXXXXXX | XXXXXX | Closed | 2026-06-17 23:50 | 2026-06-23 16:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust - Not Recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. please see attached - Buyer-06/23/2026 Open-Missing evidence of Mortgage recording Missing pages 1 of the Deed of Trust to show it has been sent for Recording - Due Diligence Vendor-06/19/2026 |
Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-06/23/2026 |
XXXXXXXXX dot.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 9809359 | N/A | N/A | |||||
| 2955916 | XXXXXXX | XXXXXX | Closed | 2026-06-19 14:09 | 2026-06-23 16:22 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. please see attached - Buyer-06/23/2026 Open-The Deed of Trust is Incomplete Missing pages 1 and 2 of 5 of the Deed of Trust - Due Diligence Vendor-06/19/2026 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-06/23/2026 |
XXXXXXXXX dot.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 9847634 | N/A | N/A | |||||
| 7478325 | XXXXXXX | XXXXXX | Closed | 2026-06-17 13:30 | 2026-07-09 13:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided the 12-month history from XX/XX/XXXX to XX/XX/XXXX, condition resolved. - Due Diligence Vendor-06/19/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached document conforming payment from XX/XXXX to XX/XXXX. Bank statement already present in file confirming account does not belong to borrower. - Buyer-06/18/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements In order to exclude a non-mortgage debt from the borrower’s DTI ratio, lender guidelines require the most recent 12 months of canceled checks (or bank statements) that document a 12-month payment history with no delinquent payments. There are only 11 months of bank statements in file showing another party making the non-mortgage debt payments. XX-XX/XXXX bank statement is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Resolved-Lender provided the 12-month history from XX/XX/XXXX to XX/XX/XXXX, condition resolved. - Due Diligence Vendor-06/19/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/19/2026 |
All 12 payments - all from other individual's account.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9796923 | N/A | N/A | |||||
| 7478325 | XXXXXXX | XXXXXX | Closed | 2026-06-17 13:18 | 2026-06-19 12:55 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the 12-month history from XX/XX/XXXX to XX/XX/XXXX, condition resolved. - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Please find attached document conforming payment from XX/XXXX to XX/XXXX. Bank statement already present in file confirming account does not belong to borrower. - Buyer-06/18/2026 Open-In order to exclude a non-mortgage debt from the borrower’s DTI ratio, lender guidelines require the most recent 12 months of canceled checks (or bank statements) that document a 12-month payment history with no delinquent payments. There are only 11 months of bank statements in file showing another party making the non-mortgage debt payments. April-May 2025 bank statement is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Resolved-Lender provided the 12-month history from XX/XX/XXXX to XX/XX/XXXX, condition resolved. - Due Diligence Vendor-06/19/2026 |
All 12 payments - all from other individual's account.pdf | PA | Primary Residence | Refinance | Cash Out - Other | 9796816 | N/A | N/A | |||||
| 7478325 | XXXXXXX | XXXXXX | Closed | 2026-06-17 14:01 | 2026-06-17 14:01 | Waived | 2 - Non-Material | Credit | Eligibility | 24 month mortgage history not within guidelines | Waived-24-month mortgage history is not within guidelines. Guidelines allow for max of 0x30x6 and 1x30x24 in last 24 months. The mortgage history shows 2x30 and 1x60 in the last 24 months. Lender exception in file to allow 2x30 and 1x60 mortgage lates in the past 24 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/17/2026 | Waived-24-month mortgage history is not within guidelines. Guidelines allow for max of 0x30x6 and 1x30x24 in last 24 months. The mortgage history shows 2x30 and 1x60 in the last 24 months. Lender exception in file to allow 2x30 and 1x60 mortgage lates in the past 24 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/17/2026 |
1) Employment for an extended period at the same job. 2) Credit Score >/= 10+ Points more than qualifying. |
PA | Primary Residence | Refinance | Cash Out - Other | 9797303 | Originator Pre-Close | Yes | |||||
| 5242607 | XXXXXXX | XXXXXX | Closed | 2026-06-17 06:19 | 2026-06-24 11:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Lender provided verification of 1st lien P&I - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached mortgage payment history of senior mortgage on subject property to verify P&I of 1st lien. - Buyer-06/23/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Please provide current mortgage statement for 1st lien listed on Final 1003 for subject property primary residence. Verification of 1st lien P&I is missing. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Resolved-Lender provided verification of 1st lien P&I - Due Diligence Vendor-06/24/2026 |
Mortgage Statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9787639 | N/A | N/A | |||||
| 5242607 | XXXXXXX | XXXXXX | Closed | 2026-06-17 06:16 | 2026-06-24 11:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Senior Mortgage Statement | Resolved-Lender provided verification of 1st lien P&I - Due Diligence Vendor-06/24/2026 Ready for Review-Lender provided verification of 1st lien P&I - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached mortgage payment history of senior mortgage on subject property to verify P&I of 1st lien. - Buyer-06/23/2026 Open-The Senior Mortgage Statement is missing from the file. Please provide current mortgage statement for 1st lien listed on Final 1003 for subject property primary residence. Verification of 1st lien P&I is missing. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Resolved-Lender provided verification of 1st lien P&I - Due Diligence Vendor-06/24/2026 |
Mortgage Statement.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 9787599 | N/A | N/A | |||||
| 6356624 | XXXXXXX | XXXXXX | Closed | 2026-06-17 14:42 | 2026-06-19 13:05 | Resolved | 1 - Information | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-welling coverage of $XXX,XXX (including 50% extended replacement cost) +10% ordinance or Law (10% of Coverage A -Dwelling Limit) XX,XXX, XXXXXX sufficient to coverage. condition resolved - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. After including 10% ordinance or law coverage of Dwelling limit($XX,XXX), we have sufficient dwelling coverage to cover total lien amount. - Buyer-06/19/2026 Open-The hazard insurance policy in file reflected dwelling coverage of $XXX,XXX (including 50% extended replacement cost). The combined loan amount (UPB of subject property 1st lien and new 2nd lien) is $XXX,XXX.XX which leaves a shortage of hazard insurance coverage. Additional conditions may apply. - Due Diligence Vendor-06/17/2026 |
Resolved-welling coverage of $XXX,XXX (including 50% extended replacement cost) +10% ordinance or Law (10% of Coverage A -Dwelling Limit) XX,XXX, XXXXXX sufficient to coverage. condition resolved - Due Diligence Vendor-06/19/2026 |
Screenshot XXXXXXXXX.png | CO | Primary Residence | Refinance | Cash Out - Other | 9798289 | N/A | N/A | |||||
| 6356624 | XXXXXXX | XXXXXX | Closed | 2026-06-17 15:01 | 2026-06-17 15:01 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 9798735 | Investor Post-Close | No | ||||||
| 6820184 | XXXXXXX | XXXXXX | Closed | 2026-06-10 07:57 | 2026-06-17 09:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Senior Mortgage Statement | Resolved-Lender provided documentation of the senior mortgage - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Please find attached Payoff statement and credit report to verify monthly P&I of senior mortgage. Loan amount and term can be verify from credit report and interest rate can be verified from payoff statement. - Buyer-06/15/2026 Open-The Senior Mortgage Statement is missing from the file. Senior Mortgage statement is missing in file - Due Diligence Vendor-06/10/2026 |
Resolved-Lender provided documentation of the senior mortgage - Due Diligence Vendor-06/17/2026 |
Credit Report and Payoff Statment.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 9652771 | N/A | N/A | |||||
| 9643514 | XXXXXXX | XXXXXX | Closed | 2026-06-11 10:39 | 2026-06-17 08:57 | Resolved | 1 - Information | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Lender provided documentation that the borrowers are not the debtor for the state tax lien. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Borrower is not the debtor of the tax lien. - Buyer-06/15/2026 Open-The Fraud Report reflects a State Tax Lien of $X,XXX.XX which was not paid at close. - Due Diligence Vendor-06/11/2026 |
Resolved-Lender provided documentation that the borrowers are not the debtor for the state tax lien. - Due Diligence Vendor-06/17/2026 |
Screenshot XX/XX/XXXX XXXXXXX.png | FL | Primary Residence | Refinance | Cash Out - Other | 9691211 | N/A | N/A | |||||
| 3831393 | XXXXXXX | XXXXXX | Closed | 2026-06-19 09:09 | 2026-06-30 12:43 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. Please find attached guideline for valuation requirement. Two valuation are requirement on loan amount between $XXX,XXX.XX to $XXX,XXX, our loan amount is $XX,XXX which require only valuation(AVM). Also please find snippet confirm FSD below 20 are acceptable, our AVM FSD is 18. - Buyer-06/26/2026 Counter-A valid secondary valuation supporting the origination appraisal value is not present. Lender provided the same AVM, which is present in the loan file, however the FSD >0.10 at 0.18, so another valuation is needed, per guidelines two AVMs with FSD ≤ 0.20 may be used by a different acceptable vendor. condition remains. - Due Diligence Vendor-06/26/2026 Counter-A valid secondary valuation supporting the origination appraisal value is not present. Lender provided the same AVM, which is present in the loan file, however the FSD >0.10 at 0.18, so another valuation is needed, per guidelines two AVMs with FSD ≤ 0.20 may be used by a different acceptable vendor. condition remains. - Due Diligence Vendor-06/26/2026 Ready for Review-Please share guideline for requirement of valuation post close. - Buyer-06/25/2026 Counter-Lender provided an AVM, however a post closing AVM is required. - Due Diligence Vendor-06/24/2026 Ready for Review-As per 1008 guideline used is 05/21/2026. AVM are valid till 60 days. AVM present in file dated XX/XX/XXXX is valid till XX/XX/XXXX. Loan amount is below $XXX,XXX we required only AVM on closed end second we don't required secondary valuation on close end second with loan amount lesser then $XXX,XXX. Please provide guideline which state secondary valuation is required. - Buyer-06/24/2026 Counter-Provided AVM is the same AVM that was reviewed in the loan file. - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Please find attached AVM used for valuation. Secondary valuation is not required on HELOAN with loan amount of $XX,XXX and CLTV of 38.44%. - Buyer-06/23/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a legible copy of either (1) an additional AVM at the time of origination, or (2) a CDA supporting the value used in qualification. - Due Diligence Vendor-06/19/2026 |
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/30/2026 |
AVM.pdf AVM Guideline.pdf Screenshot XX/XX/XXXX XXXXXXX.png |
TX | Primary Residence | Refinance | Cash Out - Other | 9842768 | N/A | N/A | |||||
| 4155141 | XXXXXXX | XXXXXX | Closed | 2026-06-17 11:46 | 2026-06-17 11:46 | Waived | 2 - Non-Material | Credit | Eligibility | 12 month mortgage history not within guidelines | Waived-12-month mortgage history is not within guidelines. Guidelines require 0x30 in last 6 months. The mortgage history shows 2x30 in the last 6 months. Lender exception in file to allow 2x30 mortgage lates in the past 6 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/17/2026 | Waived-12-month mortgage history is not within guidelines. Guidelines require 0x30 in last 6 months. The mortgage history shows 2x30 in the last 6 months. Lender exception in file to allow 2x30 mortgage lates in the past 6 months. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-06/17/2026 |
1) Income not used to qualify. 2) Minimal debts / Revolving accounts. 3) DTI <5% below the Maximum Qualifying. |
CA | Primary Residence | Refinance | Cash Out - Other | 9794813 | Originator Pre-Close | Yes | |||||
| 1414368 | XXXXXXX | XXXXXX | Closed | 2026-06-16 01:10 | 2026-06-17 15:34 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 9758440 | Investor Post-Close | No | ||||||
| 3225305 | XXXXXXX | XXXXXX | Closed | 2026-04-30 07:51 | 2026-06-04 12:50 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-06/04/2026 Ready for Review-per XXXX X - uploaded - Seller-06/04/2026 Ready for Review-Escalated via email to XXXX XXXXXXX for INVESTOR to review XX/XX/XXXX - Seller-06/03/2026 Counter-Documentation provided/email does not tie screenshots to the subject loan. - Due Diligence Vendor-06/02/2026 Ready for Review- - Seller-06/01/2026 Counter-If the provided e-consent is used, then technically those docs not considered "SENT" until the borrower gives consent. This will cause an incurable material finding on the initial LE delivery timing unless the documents were simultaneously sent via USPS XX/XX/XXXX. - Due Diligence Vendor-05/27/2026 Ready for Review-It doesn't matter when they are SENT - it matters when he consented and signed the initial disclosures, which obviously is XX/XX/XXXX. - Buyer-05/26/2026 Ready for Review-they are sent as an initial disclosure PACKAGE - econsent and all. Please have cleared today. - Buyer-05/26/2026 Counter-The borrower has to consent to the documents being electronically sent to them before they are sent electronically. - Due Diligence Vendor-05/22/2026 Ready for Review-Initial Disclosures were indeed dated XX/XX/XXXX however the borrower was waiting for divorce to be finalized and didn't sign them/do his e-consent until XX/XX/XXXX. That is the reason for the date variance. - Seller-05/21/2026 Counter-Finding will be cleared when proof of consent that is dated prior to docs is provided. - Due Diligence Vendor-05/13/2026 Ready for Review-when will this be cleared - its been over a week!??!?! - Buyer-05/12/2026 Counter-E-consent provided executed XX/XX/XXXX, electronic document delivery was XX/XX/XXXX. - Due Diligence Vendor-05/05/2026 Ready for Review-econsent - Buyer-05/01/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-04/30/2026 |
Ready for Review-per XXXX X - uploaded - Seller-06/04/2026 Ready for Review-Escalated via email to XXXX XXXXXXX for INVESTOR to review XX/XX/XXXX - Seller-06/03/2026 Ready for Review- - Seller-06/01/2026 Ready for Review-Initial Disclosures were indeed dated XX/XX/XXXX however the borrower was waiting for divorce to be finalized and didn't sign them/do his e-consent until XX/XX/XXXX. That is the reason for the date variance. - Seller-05/21/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-06/04/2026 |
XXXXX_XXXX_XXXXXXXX_XXXXXX econsent.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX XXXX audit trail.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX Fulfillment.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 8968135 | N/A | N/A | ||||
| 3225305 | XXXXXXX | XXXXXX | Closed | 2026-04-30 09:18 | 2026-05-22 11:50 | Resolved | 1 - Information | Credit | Missing Doc - Credit | AVM is Expired | Resolved-AVM is Expired Re-review requested to alternate guidelines allow AVM age up to 90 days. - Due Diligence Vendor-05/22/2026 Ready for Review-Please discuss with the investor. - Buyer-05/22/2026 Counter-The loans are reviewed to the guidelines cited at submission for review. As a TPR, we do not implement our own overlays. - Due Diligence Vendor-05/20/2026 Ready for Review-So, again, the question is - please advise if this is YOUR overlay or YOUR guideline - OUR guidelines do not require anything further. - Seller-05/20/2026 Counter-This loan was not submitted under, nor reviewed to [redacted] guidelines. - Due Diligence Vendor-05/18/2026 Ready for Review-All XXXX requires is the PCI that has already been uploaded to you - if this is your overlay or your guideline, please advise as we do NOT require anything further. - Buyer-05/18/2026 Counter-Section 4-5-7 specify a value must be provided. Section 4-5-1 specify "AVMs - must be dated no earlier than 30 days before the note date." The submitted document provides no value to which an LTV can be calculated. The submitted document is a PCI and if it is to be used for a valuation product, it must provide a value. - Due Diligence Vendor-05/13/2026 Ready for Review-Please read our guidelines this IS acceptable - Buyer-05/12/2026 Counter-Document provided does not provide any valuation. - Due Diligence Vendor-05/05/2026 Ready for Review-AVM condition - Seller-05/04/2026 Open-AVM is Expired Guidelines require the AVM to be provided within 30 days of the Note. - Due Diligence Vendor-04/30/2026 |
Ready for Review-So, again, the question is - please advise if this is YOUR overlay or YOUR guideline - OUR guidelines do not require anything further. - Seller-05/20/2026 Ready for Review-AVM condition - Seller-05/04/2026 |
Resolved-AVM is Expired Re-review requested to alternate guidelines allow AVM age up to 90 days. - Due Diligence Vendor-05/22/2026 |
XXXXX_XXXX_XXXXXXXX_XXXXXX XXXX AVM condition.pdf | AZ | Primary Residence | Refinance | Cash Out - Other | 8970132 | N/A | N/A | ||||
| 2512938 | XXXXXXX | XXXXXX | Closed | 2025-09-10 18:18 | 2026-01-13 07:57 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/13/2026 Ready for Review-Document Uploaded. - Buyer-01/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 business days prior to the Note date. - Due Diligence Vendor-09/10/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/13/2026 |
XXXXX_XXXXXXX_I. VVOE.pdf | CA | Investment | Refinance | Cash Out - Other | 5493739 | N/A | N/A | |||||
| 2976774 | XXXXXXX | XXXXXX | Closed | 2026-04-22 10:16 | 2026-05-19 08:31 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Evidence of cure received. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/19/2026 Ready for Review-Collateral is in transit per tracking no. XXXXXXXXXXXXXXXXXX. - Seller-05/15/2026 Counter-Pending shipping/delivery to borrower. - Due Diligence Vendor-05/14/2026 Ready for Review-See attached PCCD cure package to address finance charge stip. - Seller-05/12/2026 Counter-Received an updated compliance report. The lender prepaid finance charge total is $XXXX.XX vs XXXX amount of $XXXX.XX. It appears the lender over-disclosed a Title Doc prep fee of $XX and under disclosed/excluded a $XXX.XX Verification fee. - Due Diligence Vendor-05/05/2026 Ready for Review-See attached Compliance Report. - Buyer-05/01/2026 Counter-$XXX,XXX.XX is the audit calculated finance charge. Additionally, the disclosed finance charge on final CD does not match compliance report provided in loan file. - Due Diligence Vendor-04/29/2026 Ready for Review-Please advise where the 'actual finance charge of $XXX,XXX.XX' is coming from? - Seller-04/23/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower, re-open rescission if applicable. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Ready for Review-Collateral is in transit per tracking no. XXXXXXXXXXXXXXXXXXX. - Seller-05/15/2026 Ready for Review-See attached PCCD cure package to address finance charge stip. - Seller-05/12/2026 Ready for Review-Please advise where the 'actual finance charge of $XXX,XXX.XX' is coming from? - Seller-04/23/2026 |
Cured-Evidence of cure received. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/19/2026 |
XXXXX_XXXX_XXXXXXXX_XXXXXX Compliance Report.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX PCCD Cure Package.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 8819296 | N/A | N/A | ||||
| 2355513 | XXXXXXX | XXXXXX | Closed | 2026-05-13 15:01 | 2026-06-04 10:59 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Signed & Dated ALTA Settlement statement provided. - Due Diligence Vendor-06/04/2026 Ready for Review-Certified copy of ALTA SS - Seller-06/04/2026 Ready for Review-Signed ALTA Settlement Stmt - Seller-06/04/2026 Counter-This does not require a cost and PCCD. Re-open Rescission, Provide Letter of Explanation to the borrower, Re-Disclose Correct Information via revised, corrected NORTC form(s), and provide Proof of Borrower Receipt, - Due Diligence Vendor-06/04/2026 Ready for Review-Please see cost to cure docs uploaded and letter - Seller-06/02/2026 Counter-Re-open Rescission, Provide Letter of Explanation to the borrower, Re-Disclose Correct Information via revised, corrected NORTC form(s), and provide Proof of Borrower Receipt, - Due Diligence Vendor-05/27/2026 Ready for Review- - Seller-05/26/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 |
Ready for Review-Certified copy of ALTA SS - Seller-06/04/2026 Ready for Review-Signed ALTA Settlement Stmt - Seller-06/04/2026 Ready for Review-Please see cost to cure docs uploaded and letter - Seller-06/02/2026 Ready for Review- - Seller-05/26/2026 |
Resolved-Resolved - Signed & Dated ALTA Settlement statement provided. - Due Diligence Vendor-06/04/2026 |
XXXXX_XXXX_XXXXXXXX_XXXXXX request for breakdown PCCD.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 2 ALTA Settlement Stmt.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 2 ALTA Settlement Stmt.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9184411 | N/A | N/A | ||||
| 2355513 | XXXXXXX | XXXXXX | Closed | 2026-05-14 07:05 | 2026-06-04 10:03 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/04/2026 Ready for Review- - Buyer-06/02/2026 Counter-For the property listed on line 3C of the 1003: Provide a mortgage statement. Provide verification of the hazard insurance. Provide verification of the property taxes, and provide evidence of XXX fees or a certification that there are no XXX fees on the property. A lender prepared 1003/1008 is/are insufficient. - Due Diligence Vendor-05/29/2026 Ready for Review- - Buyer-05/28/2026 Counter-1003s provided are insufficient. Please provide actual documentation of actual, approved PITIA payment of the property. - Due Diligence Vendor-05/27/2026 Ready for Review- - Buyer-05/26/2026 Counter-1003s provided are insufficient. Please provide documentation of actual, approved PITIA payment of the property. - Due Diligence Vendor-05/22/2026 Ready for Review-1003 with REO mortgages shown - Seller-05/20/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of the monthly payment for property 3c from the final 1003. - Due Diligence Vendor-05/14/2026 |
Ready for Review-1003 with REO mortgages shown - Seller-05/20/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/04/2026 |
XXXXX_XXXX_XXXXXXXX_XXXXXX Final 1003 with all mortgag payments on REO.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 1003 for COE XXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 1008 CES XXXXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 1003 for COE XXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 2 Tax Cert for XXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 2 HOI for XXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 2 Note and CD for XXXX.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9196426 | N/A | N/A | ||||
| 2355513 | XXXXXXX | XXXXXX | Closed | 2026-05-14 07:52 | 2026-06-04 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Sufficient documentation provided. - Due Diligence Vendor-06/04/2026 Counter-No additional documentation has been provided. - Due Diligence Vendor-06/04/2026 Ready for Review-please see related cond and docs uploaded - Buyer-06/02/2026 Counter-For the property listed on line 3C of the 1003: Provide a mortgage statement. Provide verification of the hazard insurance. Provide verification of the property taxes, and provide evidence of XXX fees or a certification that there are no XXX fees on the property. A lender prepared 1003/1008 is/are insufficient. - Due Diligence Vendor-05/29/2026 Ready for Review- - Buyer-05/28/2026 Counter-1003s provided are insufficient. Please provide actual documentation of actual, approved PITIA payment of the property. - Due Diligence Vendor-05/27/2026 Ready for Review- - Buyer-05/26/2026 Counter-1003s provided are insufficient. Please provide documentation of actual, approved PITIA payment of the property. - Due Diligence Vendor-05/22/2026 Ready for Review-1003 with mortgages - Buyer-05/20/2026 Open-Missing evidence of the monthly payment for property 3c from the final 1003. - Due Diligence Vendor-05/14/2026 |
Resolved-Sufficient documentation provided. - Due Diligence Vendor-06/04/2026 |
XXXXX_XXXX_XXXXXXXX_XXXXXX Final 1003 with all mortgag payments on REO.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 1003 for COE XXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 1003 for COE XXXX.pdf XXXXX_XXXX_XXXXXXXX_XXXXXX 1008 CES XXXXXX.pdf |
CA | Primary Residence | Refinance | Cash Out - Other | 9197070 | N/A | N/A |