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Loan Number
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Seller Loan Number
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Originator
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Last Name
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Note Date
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Original Balance
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State
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TPR QM ATR Status
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Loan Status
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Exception Date
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Remediation Status
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Exception ID
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Exception Type
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Exception Category
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Exceptions
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Exception Rebuttal
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Exception Rebuttal Date
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Exception Rebuttal Response
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Exception Rebuttal Response Date
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Compensating Factors
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Initial Overall Loan Grade
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Final Overall Loan Grade
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Initial Exception Grade
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Final Exception Grade
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Initial Credit Grade
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Final Credit Grade
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Initial Property Valuation Grade
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Final Property Valuation Grade
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Initial Compliance Grade
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Final Compliance Grade
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Initial Overall Grade (DBRS/Morningstar)
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Initial Credit Grade (DBRS/Morningstar)
|
Initial Property Valuation Grade (DBRS/Morningstar)
|
Initial Compliance Grade (DBRS/Morningstar)
|
Initial Overall Grade (Fitch)
|
Initial Credit Grade (Fitch)
|
Initial Property Valuation Grade (Fitch)
|
Initial Compliance Grade (Fitch)
|
Initial Overall Grade (Kroll)
|
Initial Credit Grade (Kroll)
|
Initial Property Valuation Grade (Kroll)
|
Initial Compliance Grade (Kroll)
|
Initial Overall Grade (Moodys)
|
Initial Credit Grade (Moodys)
|
Initial Property Valuation Grade (Moodys)
|
Initial Compliance Grade (Moodys)
|
Initial Overall Grade (S&P)
|
Initial Credit Grade (S&P)
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Initial Property Valuation Grade (S&P)
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Initial Compliance Grade (S&P)
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Final Overall Grade (DBRS/Morningstar)
|
Final Credit Grade (DBRS/Morningstar)
|
Final Property Grade (DBRS/Morningstar)
|
Final Compliance Grade (DBRS/Morningstar)
|
Final Overall Grade (Fitch)
|
Final Credit Grade (Fitch)
|
Final Property Grade (Fitch)
|
Final Compliance Grade (Fitch)
|
Final Overall Grade (Kroll)
|
Final Credit Grade (Kroll)
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Final Property Grade (Kroll)
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Final Compliance Grade (Kroll)
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Final Overall Grade (Moodys)
|
Final Credit Grade (Moodys)
|
Final Property Grade (Moodys)
|
Final Compliance Grade (Moodys)
|
Final Overall Grade (S&P)
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Final Credit Grade (S&P)
|
Final Property Grade (S&P)
|
Final Compliance Grade (S&P)
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RATE202630086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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RATE202630086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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RATE202630086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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RATE202630138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing fully executed gift letter for XXX
|
Gift Transfer Wires
|
06/03/2026
|
Gift documentation received and matches what was used to qualify. Condition cleared.; Document Uploaded.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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C
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A
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RATE202630138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1481
|
Credit
|
Asset 3 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing fully executed gift letter for XXX
|
Gift Letter_XXX and Jnt Account Verification
|
06/03/2026
|
Gift documentation received and matches what was used to qualify. Condition cleared.; Document Uploaded.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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C
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C
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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|
RATE202630138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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|||
|
RATE202630042
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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|||
|
RATE202630042
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630042
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80%
|
A
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A
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A
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A
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A
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|||
|
RATE202630144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630140
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. DU requires the housing history to be verified for the last XXX months. B2 has
a loan with XXX XXX #XXX in the amount of XXX with a monthly payment of XXX This loan is through the borrower's employer and is a second mortgage on the subject property. B2's paystubs were provided reflecting the following payments: XX/XX/XXXX
HOUSE AC SHAC XXX with a YTD of XXX XX/XX/XXXX XXX XXX with a YTD of XXX XX/XX/XXXX with a YTD of XXX XX/XX/XXXX no payment reflected; however, reflects YTD of XXX XX/XX/XXXX and XX/XX/XXXX no payment reflected; however, reflects YTD of
$XXX/XXX/XXX no payment reflected; however, reflects YTD of XXX Missing proof the XXX payment of XXX twice a month is for the loan and proof all payments have been paid on time.
|
LOX; Letter of explanation(email); LOX
|
06/12/2026
|
; Letter of explanation provided. Verification explained.; Document Uploaded. ; Countered - Client provided letter from borrower stating XXX Loans were
subordinated to XXX. Borrower Stated payments have been on time however no evidence provided of payments. ; Document Uploaded. ; Documentation provided is for the 1st mortgage. Please provide confirmation payroll deduction on B2's pay stub is
the 2nd mortgage with XXX for $700k reflected on the 1003 and title and provide XXX month payment history for the mortgage. Thank you.; Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 70%
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RATE202630140
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 70%
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|||
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RATE202630140
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 70%
|
D
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RATE202630122
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The Evidence of Insurance provided reflects
dwelling coverage of XXX The loan closed with a loan amount of XXX The coverage is insufficient.
|
Replacement Cost Estimate XXX
|
06/10/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Replacement cost estimate provided. ; Document Uploaded.
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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C
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A
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RATE202630122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FCRE9785
|
Credit
|
Purchase Contract is Incomplete
|
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Agreement reflects a loan amount of $XXX; however, the Note evidences a loan
amount of XXX Please provide a fully executed addendum to the Purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation.
|
Correct Replacement Cost estimate, Processor Lox for Loan amount and Replacement Cost estimate
|
06/03/2026
|
Initial offer extended by Borrower reflecting lower loan amount was based on XXX% of the initial sales price (see page XXX). Final accepted offer on page XXX
reflects increased purchase price of XXX and loan amount of XXX is XXX% Condition rescinded.; Document Uploaded.
|
06/04/2026
|
C
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A
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A
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A
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C
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A
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A
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||
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RATE202630122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630027
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Rescinded
|
FCRE1253
|
Credit
|
Missing Property Tax Cert
|
Missing Property Tax Cert Lender to provide property tax calculation for monthly amount of XXX that lender used. Documents in file do not match the lenders
calcs.
|
Tax Document
|
06/03/2026
|
Tax calculation used by Lender on page XXX and higher amount without exemptions was used to qualify. Condition rescinded.; Document Uploaded.
|
06/04/2026
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
RATE202630027
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630027
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630121
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630121
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630121
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630116
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Greater than XXX% valuation difference between Appraisal and Third Party
Valuation.
|
Field review; LOX
|
06/16/2026
|
Third party valuation product provided within tolerance.; Field review provided; Document Uploaded. ; Per Appraisal Requirements section of the XXX guidelines
if the XXX CDA reflects >XXX% variance from the appraised value, a field review is required. The CDA in file reflected a lower value variance of XXX%. Please provide a field review that supports the appraised value. Thank you.; Document
Uploaded.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630116
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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C
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RATE202630116
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
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RATE202630090
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3367
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Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
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This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling
organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan
applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each
loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to
§1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page
such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result,
you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling
disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX.
|
Home Counseling organisation
|
06/08/2026
|
Document Uploaded.
|
06/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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B
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RATE202630090
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX/XXX/XXX, as the
earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
|
Initial LE
|
06/03/2026
|
Initial LE provided - exception resolved; Initial LE provided - exception resolved; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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RATE202630090
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please
provide the initial LE and Written List of Service Providers issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
|
Initial LE
|
06/03/2026
|
Initial LE and SPL provided - exception resolved; Initial LE and SPL provided - exception resolved; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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RATE202630090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's
written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for
tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open
or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the
following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client
preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on
substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision
of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is
missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of XXX/XXX/XXX.
|
Initial LE
|
06/03/2026
|
Initial LE provided - exception resolved; Initial LE provided - exception resolved; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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A
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A
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A
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A
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RATE202630090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630025
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE5771
|
Credit
|
Borrower 2 Credit Report is Missing
|
Borrower 2 Credit Report is Missing. The file did not contain a credit report
|
Credit report
|
06/03/2026
|
Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 2 Credit Report is not missing.; Document Uploaded.
|
06/04/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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D
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A
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D
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A
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D
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A
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D
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630025
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE5770
|
Credit
|
Borrower 1 Credit Report is Missing
|
Borrower 1 Credit Report is Missing. The file did not contain a credit report
|
Credit report
|
06/03/2026
|
Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing.; Document Uploaded.
|
06/04/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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D
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D
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630025
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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A
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A
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D
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A
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A
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D
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A
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D
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D
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A
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D
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D
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A
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D
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D
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630025
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1447
|
Credit
|
Asset 5 Expired
|
Asset 5 Expired. Most Recent End of Year Statement Provided. Please provide XXX Q1 Statement.
|
Asset 5 Not Expired Or Not Applicable; Asset not required per Grate; finding resolved.
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1448
|
Credit
|
Asset 6 Expired
|
Asset 6 Expired. Most Recent End of Year Statement Provided. Please provide XXX Q1 Statement.
|
Asset 6 Not Expired Or Not Applicable; Asset not required per Grate; finding resolved.
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630037
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
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RATE202630139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
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RATE202630139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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|
RATE202630004
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FCRE9785
|
Credit
|
Purchase Contract is Incomplete
|
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The Purchase Agreement reflects a mortgage amount of $XXX; however, the Note evidences a loan
amount of XXX Please provide a fully executed addendum to the Purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation.
|
UW Rebuttal
|
06/04/2026
|
Exception rescinded. The specific loan amount does not need to be perfectly correct on the original purchase contract. Fannie Mae guidelines prioritize the
sales price and the down payment. The exact loan amount is ultimately determined by your lender during underwriting based on the final appraised value and closing costs.; Purchase Contract Doc is complete.; ; Document Uploaded.
|
06/05/2026
|
A
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||
|
RATE202630004
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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|||
|
RATE202630004
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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|||
|
RATE202630040
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630040
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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|||
|
RATE202630040
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
|
|||
|
RATE202630150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 70% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 70% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was
provided prior to closing or provide confirmation that the lender has no affiliates.
|
Affiliated Business Disclosure
|
06/03/2026
|
Required Affiliated Business Disclosure Documentation Provided.; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630151
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the title examination fee on the final CD XXX/XXX/XXX. Final
charges in total that cannot increase more than XXX% = Settlement/closing XXX title examination XXX municipal lien cert XXX recording XXX Comparable charges than in total cannot increase more than XXX% = Settlement/closing XXX municipal lien
cert XXX recording XXX Total variance amount for charges that in total cannot increase more than XXX% = XXX
|
LOX, PCCD and Mavent
|
06/04/2026
|
PCCD provided - exception resolved; PCCD provided - exception resolved; Document Uploaded.
|
06/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630151
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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C
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|||
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RATE202630151
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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C
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|||
|
RATE202630085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Rescinded
|
FCRE1964
|
Credit
|
Missing income documentation
|
The Offer Letter, Pay Stubs, or other documentation to confirm new employment and XXX monthly B2 salary from XXX were not provided at the time of review.
|
Offer Letter, Paystubs and additional docs
|
06/03/2026
|
Signed offer letter for B2 in file on page XXX confirming base salary used to qualify. Employment began prior to closing, however, 1st pay stub not yet
available at time of Note date. Documentation provided meets FHLMC selling guide for new employment. Condition rescinded.; Document Uploaded.
|
06/04/2026
|
A
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A
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A
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A
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||
|
RATE202630134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
|
|||
|
RATE202630134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630079
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630079
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630079
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FCRE1180
|
Credit
|
HO-6 Insurance Policy is Missing
|
HO-6 Insurance Policy is Missing Not in file and or listed on the XXX/ AUS DU.
|
Master_HOA_All-In Coverage and Approved_Condo_Warranty_NO H06 Reqd
|
06/03/2026
|
Master Condo Policy on page XXX in file reflects "All In", therefore, HO6 not required. Condition Rescinded.; Document Uploaded.
|
06/04/2026
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
||
|
RATE202630115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630146
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630146
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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|||
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RATE202630146
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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|||
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RATE202630104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the addition of
the Verification of Employment fee without a COC.
|
CIC_429 for VOE Fee
|
06/03/2026
|
Valid COC with applicable Cd provided; Exception resolved ; Valid COC with applicable Cd provided; Exception resolved ; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
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A
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C
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A
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A
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C
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C
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C
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C
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C
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C
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C
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A
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RATE202630104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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C
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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C
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C
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C
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A
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A
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|||
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RATE202630104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630092
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling
organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan
applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each
loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to
§1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page
such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result,
you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling
disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX.
|
Homeownership counseling organizations disclosure
|
06/03/2026
|
HOC provided; exception resolved ; HOC provided; exception resolved ; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
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A
|
B
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630092
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630092
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630019
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630019
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630019
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630105
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3634
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Compliance
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Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the addition of a
second Final Inspection Fee without a COC.
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Cure package
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06/04/2026
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Client provided copy of CD dated XX/XX/XXXX and COC that was missing from the file for testing; exception resolved.; Client provided copy of CD dated
XX/XX/XXXX and COC that was missing from the file for testing; exception resolved.; Document Uploaded.
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06/04/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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C
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RATE202630105
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/29/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
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06/02/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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RATE202630105
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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06/02/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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06/02/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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RATE202630103
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/29/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630103
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/29/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630103
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/29/2026
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Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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A
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A
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RATE202630113
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/29/2026
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Resolved
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finding-3634
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Compliance
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Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX/XXX/XXX, as the
earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
|
COC; Initial Loan estimate
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06/05/2026
|
Valid COC provided - exception resolved; Valid COC provided - exception resolved; Document Uploaded. ; TILA 130b Cure Required. Refund in the amount of $XXX;
cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount points on CD XX/XX/XXXX without a COC. ; This
loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your
total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e)
is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
|
06/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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C
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A
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C
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A
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C
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C
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A
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A
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A
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A
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RATE202630113
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Rescinded
|
finding-3545
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Compliance
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Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test
|
This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as
amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its
business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his
calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates
to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company
settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked
as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your
settings to remove the conflict f a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version
of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A)
through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall
contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under
§1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the
date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).. owever, if a creditor uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), §
XXX(e)(XXX)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). This loan failed the revised closing
disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business
day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred;
orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not
open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test
excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results
from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for
carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the purpose of determining good faith for the zero
tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of
receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for
revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other
interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure.
§1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).. owever, if a
creditor uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the creditor to provide the revised estimate in the disclosures required under §
XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). Exception fired in error - rescinded Exception fired in error - rescinded
|
06/05/2026
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C
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A
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C
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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|||||
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RATE202630113
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling
organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan
applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each
loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to
§1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page
such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result,
you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling
disclosure that was provided to the consumer within XXX-business days of application XXX/XXX/XXX.
|
homeownership counselling disclosure
|
06/03/2026
|
Homeownership Counseling Organizations Disclosure provided - exception resolved ; Homeownership Counseling Organizations Disclosure provided - exception
resolved ; Document Uploaded.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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B
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A
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A
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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A
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630113
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure
package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE and SPL issued within XXX business days of the XXX of XXX/XXX/XXX, as the earliest available LE and Service provider list
is dated XXX/XXX/XXX. Please provide the initial LE and SPL issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once documents are provided.
|
Initial LE and SPL
|
06/03/2026
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Initial LE and SPL provided - exception resolved; Initial LE and SPL provided - exception resolved; Document Uploaded.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630113
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's
written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for
tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open
or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the
following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client
preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on
substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision
of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XXX/XXX/XXX, per Mavent compliance report in file,
is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of XXX/XXX/XXX.
|
Initial Estimate
|
06/03/2026
|
Initial LE provided - exception resolved; Initial LE provided - exception resolved; Document Uploaded.
|
06/04/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630113
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FPRO0951
|
Property
|
Condo Approval Missing
|
Condo Approval Missing. Condo approval is Missing.
|
Condo Docs and Docs2
|
06/03/2026
|
Freddie Mac Condo Project Advisor on page XXX and Condo Warranty on page XXX Condition rescinded.; Document Uploaded.
|
06/04/2026
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RATE202630113
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630212
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630212
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630212
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630219
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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RATE202630219
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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|||
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RATE202630219
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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|||
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RATE202630222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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|||
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RATE202630222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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|||
|
RATE202630222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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|||
|
RATE202630196
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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|||
|
RATE202630196
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630196
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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RATE202630206
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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|||
|
RATE202630206
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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|||
|
RATE202630206
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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|||
|
RATE202630218
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630218
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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|
|||
|
RATE202630218
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
|
|||
|
RATE202630008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
|
|||
|
RATE202630008
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630011
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630011
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630011
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630216
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630216
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630216
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630263
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630263
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630263
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630054
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Rescinded
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete. The Borrower's tax returns reflect a Schedule C business reporting a loss. The loss was applied in the qualifying income
calculation; however, the business is not disclosed on the loan application. A corrected loan application, reflecting the Schedule C business is required, along with a rerun of DU to align AUS findings with the updated loan application.
|
Letter of explanation
|
06/04/2026
|
B2 self employment is not being used. Lender defaults to FNXXX with regards to income documentation. Per FNXXX Selling Guide, the Lender is not required to
evaluate the Co-Borrower's self employment loss when self employment for the Co-Borrower is not being used. Condition rescinded.; Document Uploaded.
|
06/05/2026
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RATE202630054
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. The Patriot Act Form reflects the Borrower’s date of birth in the ID expiration date field, and no valid,
unexpired government-issued photo ID is present in the file. Therefore, CIP identity verification is not supported. Please provide a legible copy of an unexpired government-issued photo ID (e., driver’s license) and/or the updated Patriot
Act/CIP form reflecting the correct ID information for the Borrower.
|
USA Patriot Act disclosure borrower identification
|
06/05/2026
|
Photo Identification provided.; Document Uploaded.
|
06/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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D
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RATE202630054
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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|||
|
RATE202630054
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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A
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D
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A
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|||
|
RATE202630251
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. Unable to locate identification documentation for B1. B2 signing for B1 with POA; however, identity verification
is required for all borrowers.
|
Photo Identification
|
06/04/2026
|
Photo Identification provided.; Document Uploaded.
|
06/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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D
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A
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D
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A
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D
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D
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D
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D
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D
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D
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D
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D
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A
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D
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A
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A
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|
RATE202630251
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% DTI increased at audit including second home reflected on 1003, based on escrowed mortgage Statement in file. DTI
within guidelines and in line with DTI reflected on XXX
|
AUS updated; AUS
|
06/12/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; LP with corrected DTI provided. Submission XXX ; Document Uploaded. ; DTI of XXX% exceeds LPA
DTI of XXX% which outside the allowed XXX% variance. Final XXX in file reflects a DTI of XXX% as well. Please provide an updated LPA reflecting final DTI as listed on the XXX Thank you.; Document Uploaded.
|
06/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
|
A
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C
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630251
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630251
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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RATE202630240
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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RATE202630243
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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RATE202630243
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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|||
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RATE202630243
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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RATE202630055
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90%
|
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RATE202630055
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90%
|
A
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RATE202630055
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90%
|
A
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|||
|
RATE202630257
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-651
|
Compliance
|
TILA Finance Charge Test
|
This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate
because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The fees included in the finance charge
calculation include: Application XXX Processing XXX lender fees XXX tax service XXX credit/technology XXX MERS XXX settlement/closing XXX recording service XXX Title Sales Tax XXX and XXX prepaid interest $XXX. (Lender Mavent did not include
the Title Sales Tax as a PFC)
|
Mavent Report, Letter of explanation (Sales Tax Not APR LOE); Final settlement Statement, PCCD, LOE, Delivery for escrow State
|
06/08/2026
|
Reviewed client explanation with management - exception resolved; Reviewed client explanation with management - exception resolved; Document Uploaded. ;
Updated cure amount to $XXX. Excluded the sales tax on the notary and title insurance. The only portion that should have been included was the tax on the settlement fee; This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he
finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than $XXX.; Document Uploaded. ; Document Uploaded.
|
06/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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C
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C
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C
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C
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C
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C
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A
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A
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A
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|
|
RATE202630257
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3719
|
Compliance
|
TILA Post-Consummation Revised Closing Disclosure Finance Charge Test
|
This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance
charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The
fees included in the finance charge calculation include: Application XXX Processing XXX lender fees XXX tax service XXX credit/technology XXX MERS XXX settlement/closing XXX recording service XXX Title Sales Tax XXX and XXX prepaid interest
$XXX. (Lender Mavent did not include the Title Sales Tax as a PFC)
|
Mavent Report, Letter of explanation (Sales Tax Not APR LOE); Final Settlement Statement and PCCD, LOE, delivery for escrow State.
|
06/08/2026
|
Reviewed client explanation with management - exception resolved; Reviewed client explanation with management - exception resolved; Document Uploaded. ;
Updated cure amount to $XXX. Excluded the sales tax on the notary and title insurance. The only portion that should have been included was the tax on the settlement fee; This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1),
transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than $XXX.; Document Uploaded.
|
06/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
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A
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A
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C
|
C
|
A
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A
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C
|
C
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A
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A
|
C
|
C
|
A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630257
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
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A
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A
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A
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A
|
C
|
A
|
C
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A
|
A
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C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630257
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
A
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A
|
A
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A
|
C
|
A
|
C
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A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630260
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines The file does not contain verification of the current income from the XXX for Borrower 2. The file contains the
XXX and XXX W2 Transcripts, is missing the paystubs, W2's, and Verification of employment.
|
Income
|
06/03/2026
|
Documentation is sufficient. Paystub, W-2's and WVOE provided. Exception resolved.; Income and Employment Meet Guidelines; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
90%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630260
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1347
|
Credit
|
Borrower 2 3rd Party VOE Prior to Close Missing
|
Borrower 2 3rd Party VOE Prior to Close Missing. The file does not contain a Verification of employment from the XXX for Borrower 2.
|
3rd Party VOE on page no (XXX-XXX)
|
06/03/2026
|
Documentation is sufficient. WVOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals XXX).; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
90%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630260
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1495
|
Credit
|
ATR: Current Employment Not Verified
|
ATR: Current Employment Not Verified. The file does not contain verification of employment from the XXX for Borrower 2.
|
verification of employment(XXX-XXX) and Income
|
06/03/2026
|
Documentation is sufficient. VOE provided. Exception resolved.; ATR: Current Employment Was Verified.; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
90%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630260
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
90%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630260
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
90%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630259
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630259
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630259
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630256
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630256
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630256
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630265
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary.
|
Approval/Underwriting Summary. XXX
|
06/03/2026
|
Documentation is sufficient. XXX provided. Exception resolved.; Approval/Underwriting Summary is fully present; Document Uploaded.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
B
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630265
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630265
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630252
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630252
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630252
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90%
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630060
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630060
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630060
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630211
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630211
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630211
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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RATE202630155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|
RATE202630154
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
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|
RATE202630154
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
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|||
|
RATE202630154
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/09/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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|||
|
RATE202630223
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE1365
|
Credit
|
Borrower 2 IRS Transcripts Missing
|
Borrower 2 IRS Transcripts Missing. Borrower 2 IRS Transcripts Missing.
|
IRS Transcripts
|
06/11/2026
|
Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX).; Document Uploaded.
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|
|
RATE202630223
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-1 from sale of non-subject property
|
Please provide Final CD/Settlement Statement for the sale of XXX XXX XXX XXX XXX, XXX XXX; per letter of explanation sell of property was to take place after
purchase however the expenses for this property was not included in the qualifying ratios.
|
Statement received; finding resolved.; Document Uploaded.
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
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A
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A
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A
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A
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A
|
D
|
D
|
A
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A
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D
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D
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630223
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630223
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630213
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630213
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630213
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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RATE202630051
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
06/09/2026
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Resolved
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finding-3532
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Compliance
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Initial Closing Disclosure Delivery Date Test
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This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. The Initial Closing Disclosure, dated and received XXX/XXX/XXX, was not received by the consumer XXX days prior to the consummation date, XXX/XXX/XXX. The violation can be cured by providing proof of delivery/receipt
of Initial CD at least XXX days prior to closing.
|
Initial CD
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06/15/2026
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Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
06/16/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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RATE202630051
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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RATE202630051
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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RATE202630069
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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A
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|||
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RATE202630069
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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A
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|||
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RATE202630069
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
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RATE202630221
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the
earliest available LE is dated XXX/XXX/XXX. Provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided.
|
Refund Docs; Initial LE and Audit Log ; Initial LE
|
07/21/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; Updated cure amount to XXX Due to the increase in Title Search,
Title - Insurance, and addition to title Processing and Title flood fee; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded. ;
LE was not provided, the documentation contained only a pricing grid and SSPL; Document Uploaded.
|
07/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
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C
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B
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A
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A
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A
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A
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
|
A
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A
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B
|
B
|
A
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A
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B
|
|
|
RATE202630221
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure
package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Provide the
initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided.
|
Initial LE and Audit Log ; Initial LE
|
06/22/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. ; LE was not provided, the documentation contained only a
pricing grid and SSPL; Document Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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A
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C
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A
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A
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A
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C
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A
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
|
RATE202630221
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's
written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for
tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open
or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the
following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
(provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in
file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of XXX/XXX/XXX.
|
Initial LE and Audit Log ; Initial LE
|
06/22/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded. ; LE was not provided, the documentation contained only a
pricing grid and SSPL; Document Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
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C
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A
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A
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A
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A
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A
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C
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B
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A
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A
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C
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A
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A
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C
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A
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A
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
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A
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B
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|
|
RATE202630221
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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C
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A
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|||
|
RATE202630221
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
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A
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A
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A
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A
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A
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A
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C
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B
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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C
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A
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A
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
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A
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B
|
|||
|
RATE202630198
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630198
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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RATE202630198
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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RATE202630217
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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|||
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RATE202630217
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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|||
|
RATE202630217
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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|||
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RATE202630262
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on
job.
|
A
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A
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A
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A
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|||
|
RATE202630262
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on
job.
|
A
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A
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A
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|||
|
RATE202630262
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on
job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630264
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630264
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630264
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630258
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
finding-651
|
Compliance
|
TILA Finance Charge Test
|
This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate
because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include:
Application Fee paid by Borrower: XXX Lender Closing Fee paid by Borrower: XXX Processing Fee paid by Borrower: XXX Credit Technology and Verification Fee paid by Borrower: XXX MERS Registration Fee paid by Borrower: XXX Tax Service Fee paid by
Borrower: XXX Title Archive Fee paid by Borrower: XXX Title Courier Fee paid by Borrower: XXX Title E Doc Delivery Fee paid by Borrower: XXX Title Email Fee paid by Borrower: XXX Tie-in Fee paid by Borrower: XXX Recording Service Fee paid by
Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Sub-Escrow Fee paid by Borrower: XXX Wire Transfer Fee paid by Borrower: XXX Title E Doc Delivery Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX
|
PCCD
|
06/15/2026
|
PCCD provided with settlement Statement confirming the borrower did not pay finance charge more than disclosed; exception resolved; PCCD provided with
settlement Statement confirming the borrower did not pay finance charge more than disclosed; exception resolved; Document Uploaded.
|
06/16/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630258
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide VOR for borrowers primary residence.
|
Lease AND XXX XXX (Bill pay)
|
06/15/2026
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of history provided. ; Document Uploaded. ; Verification of
Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.
|
06/16/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630258
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report. Missing required third party fraud report.
|
Fraud Report
|
06/12/2026
|
Third Party Fraud Report is provided.; Fraud provided. ; Document Uploaded.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate. Flood Certificate missing from the file.
|
Flood Certificate
|
06/12/2026
|
Flood Certificate is fully present.; Flood Cert provided. Flood Zone A; Document Uploaded.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1253
|
Credit
|
Missing Property Tax Cert
|
Missing Property Tax Cert. The loan file does not contain sufficient documentation to verify property taxes. The title commitment does not reflect the current
tax information, and no tax certification is included in the file.
|
Tax document ; Tax Certificate
|
06/18/2026
|
Property Tax Cert Provided.; Tax evidence provided that supports XXX per month. ; Document Uploaded. ; The attached tax document does not support the
qualifying tax amount of XXX per monthnth. Please provide lender's property tax calculation or evidence to support the XXX per monthnth property tax amount.; Document Uploaded.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the
appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
|
Appraisal Delivery
|
06/12/2026
|
Evidence of appraisal delivery provided.; Document Uploaded.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Income from XXX XXX XXX was used to qualify; however, the loan file does not include a third party verification
of business existence/activity dated within XXX days of note date. Please provide the required verification.
|
XXX XXX VOE (verification of employment)
|
06/12/2026
|
Income and Employment Meet Guidelines.; VOE, Bizapedia printout and Franchise Tax Account printout. ; Document Uploaded.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required third-party valuation due UCDP CU score of XX/XX/XXXX not
meeting the < XX/XX/XXXX threshold.
|
CDA
|
06/12/2026
|
Third party valuation product provided within tolerance.; Desk review provided. ; Document Uploaded.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1241
|
Credit
|
Purchase Contract is Missing
|
Loan Purpose is Purchase but Purchase Contract Doc is Missing.
|
Purchase Contract Doc is not Missing, or is Not Applicable.; Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved; Purchase
Contract Doc is not Missing, or is Not Applicable.; Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved; Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase Contract Doc is not Missing, or is Not
Applicable.
|
06/19/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Rescinded
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Insurance coverage is not sufficient.
Please provide replacement cost estimate (RCE) or evidence the policy has guaranteed or XXX% replacement cost coverage.
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
06/12/2026
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630075
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO1242
|
Property
|
Appraisal is Missing
|
Appraisal is Missing. Loan was approved with DU approval which requires an appraisal report. Origination notes indicates an appraiser was obtained and used to
qualify loan file is missing the subject appraisal report.
|
Appraisal and 1004D
|
06/15/2026
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Appraisal is Present or is Waived; Appraisal and completion report provided. ; Document Uploaded.
|
06/16/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630075
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630075
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630108
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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A
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RATE202630108
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
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|||
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RATE202630045
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
RATE202630045
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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|||
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RATE202630045
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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|||
|
RATE202630132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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|||
|
RATE202630132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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|||
|
RATE202630132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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|||
|
RATE202630041
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 75%
|
A
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A
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A
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A
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A
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|||
|
RATE202630041
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 75%
|
A
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A
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A
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A
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A
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|||
|
RATE202630041
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 75%
|
A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630133
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||
|
RATE202630133
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||
|
RATE202630133
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||||
|
RATE202630082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1964
|
Credit
|
Missing income documentation
|
The VVOE referenced on the XXX for B2 was not provided to verify his income. Please provide.
|
Income report
|
06/12/2026
|
; VOE provided for XXX dated XX/XX/XXXX - Income provided.; Document Uploaded.
|
06/15/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report. The file is missing the Third Party Fraud Report.
|
Fraud Report
|
06/12/2026
|
Third Party Fraud Report is provided.; Drive report provided. ; Document Uploaded.
|
06/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy. The file is missing a copy of the Hazard Insurance supporting XXX monthly used to qualify
|
Hazard Insurance Policy
|
06/12/2026
|
Hazard Insurance Policy is fully present.; HOI Provided. ; Document Uploaded.
|
06/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Title documentation referenced judgements XXXd with borrower #XXX, however supporting documentation evidencing disposition of the
judgements could not be located. The file is missing an Affidavit of Title and/or other documentation supporting the resolution of the judgements referenced on pages XXX and XXX
|
Affidavit of title
|
06/22/2026
|
Property Title Issue Resolved.; Document Uploaded.
|
06/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file is missing a Third Party Valuation Product(TPV).
|
CDA
|
06/12/2026
|
Third party valuation product provided within tolerance.; Desk Review provided. ; ; Document Uploaded.
|
06/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the
appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.
|
Appraisal Delivery
|
06/12/2026
|
Evidence of appraisal delivery provided.; Document Uploaded.
|
06/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE1241
|
Credit
|
Purchase Contract is Missing
|
Loan Purpose is Purchase but Purchase Contract Doc is Missing.
|
Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved; Purchase Contract Doc is not Missing, or is Not Applicable.; Loan Purpose
is Purchase but Purchase Contract Doc is Missing. Previously resolved; Purchase Contract Doc is not Missing, or is Not Applicable.; Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved; Purchase Contract Doc is not
Missing, or is Not Applicable.; Purchase Contract Doc is not Missing, or is Not Applicable.
|
06/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630098
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630098
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630098
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630137
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630137
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630137
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. No appraisal delivery waiver in file.
|
APPRAISAL DELIVERY
|
06/15/2026
|
Evidence of appraisal delivery provided.; Document Uploaded.
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO1242
|
Property
|
Appraisal is Missing
|
Appraisal is Missing. Appraisal report is missing
|
Appraisal report
|
06/15/2026
|
Documentation is sufficient. Appraisal provided. Exception resolved.; Appraisal is Present or is Waived; Document Uploaded.
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product is missing; Appraisal is missing
|
CDA page no XXX; Appraisal
|
06/15/2026
|
Documentation is sufficient. CDA provided. Exception resolved.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not
Provided or Not Provided Within Tolerance.; Document Uploaded.
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report. Fraud report is missing
|
Fraud report
|
06/15/2026
|
Documentation is sufficient. Fraud report provided. Exception resolved.; Third Party Fraud Report is provided.; Document Uploaded.
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
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A
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B
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A
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D
|
D
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D
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B
|
D
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D
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D
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B
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D
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D
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D
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B
|
D
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D
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D
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B
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D
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D
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D
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B
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate. Flood Cert is missing
|
Flood Certificate
|
06/15/2026
|
Documentation is sufficient. Flood Cert provided. Exception resolved.; Flood Certificate is fully present.; Document Uploaded.
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
D
|
D
|
B
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D
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D
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D
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B
|
D
|
D
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D
|
B
|
D
|
D
|
D
|
B
|
D
|
D
|
D
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the
appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. No appraisal delivery timing waiver in file.
|
Appraisal delivery
|
06/15/2026
|
Evidence of appraisal delivery provided.; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
The XXX Underwriting Guidelines require documentation evidencing the loan’s QM status. However, the loan file does not contain a compliance report or
equivalent documentation to confirm QM eligibility. Please provide supporting compliance documentation.
|
Mavent
|
06/15/2026
|
Mavent provided; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within 10% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required third-party valuation due UCDP CU score of XX/XX/XXXX not
meeting the < XX/XX/XXXX threshold.
|
Third Party Valuation (CDA)
|
06/15/2026
|
Third party valuation product provided within tolerance.; Desk Review provided. ; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE1241
|
Credit
|
Purchase Contract is Missing
|
Loan Purpose is Purchase but Purchase Contract Doc is Missing.
|
Loan Purpose is Purchase but Purchase Contract Doc is Missing. Previously resolved; Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase
Contract Doc is not Missing, or is Not Applicable.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1253
|
Credit
|
Missing Property Tax Cert
|
Missing Property Tax Cert. The loan file does not contain sufficient documentation to verify property taxes. The title commitment does not reflect the current
tax information, and no tax certification is included in the file. The Closing Disclosure reflects tax amounts; however, the CD alone is not acceptable as independent verification of taxes.
|
Property Tax Cert
|
06/15/2026
|
Property Tax Cert Provided.; Tax info provided. ; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report. Missing required fraud report.
|
Fraud Report
|
06/15/2026
|
Third Party Fraud Report is provided.; Drive report provided; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate. Flood Certificate missing from the file.
|
Flood Certificate
|
06/15/2026
|
Flood Certificate is fully present.; Flood provided. ; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630127
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy. The loan file does not contain evidence of sufficient hazard insurance for the subject property. Please provide the current
declaration page confirming adequate dwelling coverage.
|
HOI
|
06/15/2026
|
Hazard Insurance Policy is fully present.; HOI evidence provided.; Document Uploaded.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
B
|
A
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
D
|
D
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630014
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630014
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
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RATE202630014
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
06/11/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
06/11/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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RATE202630072
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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06/10/2026
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Resolved
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finding-3652
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Compliance
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Lender Credits That Cannot Decrease Test
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This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to
decreased from XXX to XXX for the Lender Credit with no valid COC in file
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COC For Lender Credit
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06/17/2026
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LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
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06/18/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630072
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
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Resolved
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finding-3634
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Compliance
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Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to missing the ILE impacting the following fees:
Points - Loan Discount Fee - XXX Application Fee XXX A Processing Fee - XXX A Underwriting Fee XXX B Appraisal Fee - XXX B Appraisal Review Fee - XXX B Credit Report Fee - XXX B MERS Registration Fee - XXX B Tax Service Fee XXX B Technology Fee
XXX E Transfer Taxes -$XXX. This can be cured by providing the missing Loan Estimate within XXX days of the XXX of XX/XX/XXXX
|
Loan Estimate
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06/17/2026
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LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; This loan failed the
charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance
violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith
if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).;
|
06/18/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630072
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
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finding-3367
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Compliance
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RESPA Homeownership Counseling Organizations Disclosure Date Test
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This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling
organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan
applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each
loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to
§1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page
such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result,
you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Please provide proof that the
homeownership counseling organizations disclosure was provided within XXX days of the XXX of XXX/XXX/XXX.
|
Homeownership Counseling Organizations
|
06/17/2026
|
HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630072
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to missing the Initial Loan Estimate which impacts the following fees: Lender's Title Insurance
Policy -$XXX ecording Service Fee - $XXX ettlement or Closing Fee - $XXX urvey Fee - $XXX itle Endorsement Fee - $XXX itle Overnight [Custom Fee] -$XXX itle Wire [Wire Transfer Fee] - $XXX. This exception can be cured by providing the missing
Initial Loan Estimate dated within XXX days of the XXX of XXX/XXX/XXX.
|
Initial LE
|
06/17/2026
|
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
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RATE202630072
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's
written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for
tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open
or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the
following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client
preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on
substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision
of loan estimate form) not later than the third business day after the creditor receives the consumer's application. TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of
delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XXX/XXX/XXX, as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of
XXX/XXX/XXX. Additional testing will be completed, once the initial LE is provided.
|
Initial LE
|
06/17/2026
|
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded. ;
Document Uploaded.
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
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RATE202630072
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
C
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A
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|||
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RATE202630072
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
C
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A
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|||
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RATE202630063
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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|||
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RATE202630063
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630220
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE1468
|
Credit
|
Asset 2 Missing
|
Asset 2 Missing Loan file is missing asset Statement for XXX XXX supporting assets of XXX
|
XXX Statement #XXX
|
06/22/2026
|
XXX Statement XXX provided. ; Asset 2 Provided Or Not Applicable; Document Uploaded.
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630220
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE2800
|
Credit
|
Verified Liquid Assets Insufficient For Closing
|
Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Loan file is missing asset Statement for XXX XXX supporting assets of $XXX. Since
the loan file does not contain any documentation to support the funds used to qualify audit did not include the balance in the asset calculation which resulted in a shortage.
|
XXX Statement #XXX
|
06/22/2026
|
XXX Statement XXX provided. ; Verified Liquid Assets are sufficient for closing.; Document Uploaded.
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
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A
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A
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A
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A
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D
|
D
|
A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630220
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE3843
|
Credit
|
Guideline Seasoning not Met
|
The required number of months reserves are to be seasoned does not meet Guideline requirement. Borrower is short funds to close and reserve requirements due
to missing asset Statement for XXX XXX
|
XXX Statement #XXX
|
06/22/2026
|
XXX Statement XXX provided. ; The required number of months reserves are to be seasoned does meet Guideline requirement.; Document Uploaded.
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
|
D
|
A
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A
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D
|
D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
RATE202630220
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
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A
|
A
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A
|
D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630220
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630207
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630207
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630207
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the XXX Tract Search Fee on
the LE dated XX/XX/XXXX without valid COC.
|
cure package
|
06/26/2026
|
Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; Document Uploaded.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE7496
|
Credit
|
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
|
Please provide documentation to support property taxes in the amount of XXX and HOA dues in the amount of XXX for subject property
|
Tax bill
|
06/24/2026
|
Tax evidence provided. HOA evidence in original file. ; Document Uploaded.
|
06/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1335
|
Credit
|
Borrower 1 IRS Transcripts Missing
|
Borrower 1 IRS Transcripts Missing. Borrower 1 IRS Transcripts Missing.
|
Paystubs, W2 and transcripts provided. ; Borrower 1 IRS Transcripts Provided.
|
06/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1330
|
Credit
|
Borrower 1 Paystubs Missing
|
Borrower 1 Paystubs Missing. Borrower 1 Paystubs Missing.
|
Pay stubs
|
06/19/2026
|
Paystubs, W2 and transcripts provided. ; Borrower 1 Paystubs Provided.; Document Uploaded.
|
06/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1328
|
Credit
|
Borrower 1 W2/1099 Missing
|
Borrower 1 W2/1099 Missing. Borrower 1 W2/1099 Missing.
|
W2
|
06/19/2026
|
Borrower 1 W2/XXX Provided; Document Uploaded.
|
06/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Missing income documentation, income is subject to recalculation once documentation is received
|
Pay Stubs and W2
|
06/19/2026
|
Income and Employment Meet Guidelines.; Document Uploaded.
|
06/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
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A
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630168
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630131
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
||||
|
RATE202630131
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
||||
|
RATE202630131
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
||||
|
RATE202630036
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630036
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630036
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630002
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee
(Add'l Report) on the final CD dated XXX/XXX/XXX. File does not contain a COC for the increase.
|
PCCD
|
06/25/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded.
|
06/26/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630002
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE9785
|
Credit
|
Purchase Contract is Incomplete
|
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. Borrower received XXX in seller credit. The purchase contract does not reflect any seller
credit. A contract addendum reflecting that the seller agreed to XXX credit was not found in the loan file.
|
Addendum
|
06/23/2026
|
Documentation provided is sufficient. Exception resolved.; Purchase Contract Doc is complete.; Document Uploaded.
|
06/24/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
B
|
A
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630002
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The preliminary title report in file does not reflect the title coverage amount.
|
Title policy
|
06/24/2026
|
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX.; Document Uploaded.
|
07/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80%
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Loan file contains a gift letter for XXX from the co-borrower’s father. Per gift letter the gift is
coming from the donors XXX XXX account. File also contains a gift letter from the borrower’s father for XXX and the source of the funds is XXX account. Both gifts are reflected on the CD, however the source and transfer of funds was not
documented for either gifts.
|
Gift Wire
|
07/09/2026
|
Wire evidence provided and reflected on CD; Asset Qualification Meets Guideline Requirements.; Document Uploaded.
|
07/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80%
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided and the loan file does not contain a USA Patriot Act from.
|
Patriot forms
|
07/09/2026
|
Photo Identification provided.; Document Uploaded.
|
07/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. Borrower 1 Photo Identification not provided and the loan file does not contain a USA Patriot Act form.
|
Patriot forms
|
07/09/2026
|
Photo Identification provided.; Document Uploaded.
|
07/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
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|||
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RATE202630161
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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|||
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RATE202630161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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|||
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RATE202630009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing. Title Document is required
|
Title Policy
|
06/22/2026
|
Title Document is fully Present.; Document Uploaded.
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
D
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A
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D
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A
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D
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A
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D
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D
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D
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D
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D
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D
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D
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D
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D
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D
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A
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|
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RATE202630009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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D
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D
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A
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D
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D
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A
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|||
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RATE202630009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630173
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630173
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630173
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy. The hazard insurance policy is missing from the file.
|
Hazard Insurance Policy
|
06/22/2026
|
Hazard Insurance Policy is fully present.; Document Uploaded.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
For the land, property tax certificate is required. Missing verification of taxes, insurance, and/or HOA fees for non-subject property.
|
Tax certificate
|
06/22/2026
|
Tax evidence for land provided. ; Verification of taxes, insurance and HOA Fees provided.; Document Uploaded.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Rescinded
|
FCRE9185
|
Credit
|
Hazard Insurance Effective Date is after the Expiration Date
|
Hazard Insurance effective date of XX/XX/XXXX is after the expiration date of XXX-XXX-XXX.
|
; Hazard Insurance effective and expiration dates are accurate.
|
06/24/2026
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be
performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. Also provide missing written list of service providers.
|
Loan Estimates
|
06/22/2026
|
LE provided; exception resolved; Document Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630061
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
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RATE202630156
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
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RATE202630107
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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|||
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RATE202630107
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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|||
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RATE202630107
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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|||
|
RATE202630164
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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A
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|||
|
RATE202630164
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630164
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630147
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM1263
|
Compliance
|
Right of Rescission is Partially Provided
|
Right of Rescission is Partially Provided. Documentation required to clear exception: Provide executed Right of Rescission for all borrowers. The cancel by
midnight date is missing for both borrowers.
|
Right To Cancel
|
06/22/2026
|
Right of Rescission is Provided.; Document Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
D
|
A
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D
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A
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A
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A
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A
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630147
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
D
|
A
|
A
|
A
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A
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A
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A
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A
|
D
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A
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D
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A
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A
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D
|
D
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A
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A
|
D
|
D
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A
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A
|
D
|
D
|
A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630147
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% |
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
D
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
D
|
A
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630143
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCOM1206
|
Credit
|
The Note is Missing
|
The Note is Missing. Document Uploaded. The Note is Missing in File.
|
Note
|
06/17/2026
|
The Note is Present.;
|
07/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630143
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630143
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure
Required. Refund in the amount of $XXX. Cure package requires a PCCD, LOE, Copy of refund check and Proof of Delivery and Valid COC. The exception is tied to missing Initial LE within XXX business days of the XXXd XX/XX/XXXX as the earliest
available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial is provided.
|
Check Copy; PCCD LOX, Closing disclosure and Refund label ; Closing disclosure ; Initial LE and initial disclosure
|
07/24/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; Cure package was missing a copy of the check; will downgrade upon
receipt; Document Uploaded. ; Updated cure amount to XXX the transfer taxes were disclosed on the XX/XX/XXXX CD as XXX but increased on the final CD to $XXX; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The
loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed
the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded. ; The discount points and transfer taxes increased again on the final CD but the file did not contain a valid COC for the increase; This loan failed the charges that
cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is
$XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge
paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
|
07/27/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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B
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C
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B
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C
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A
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A
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A
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C
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B
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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|
|
RATE202630149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1159
|
Credit
|
Hazard Insurance Effective Date is after the Disbursement Date
|
Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the
Disbursement Date of XXX-XXX-XXX.
|
Hazard Insurance
|
06/23/2026
|
Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.;
Document Uploaded.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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B
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C
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A
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C
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A
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A
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A
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C
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B
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
|
A
|
B
|
|
|
RATE202630149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling
organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan
applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each
loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to
§1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page
such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result,
you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required. Provide homeownership counseling disclosure that was
provided to the consumer within XXX-business days of the XXXd XXX/XXX/XXX.
|
homeownership counseling disclosure
|
06/22/2026
|
HOC dated within XXX days of the application provided; exception resolved; HOC dated within XXX days of the application provided; exception resolved; Document
Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
B
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A
|
C
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A
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A
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A
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C
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B
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
|
|
RATE202630149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of XXX Cure
package requires a PCCD, LOE, Copy of refund check and Proof of Delivery and Valid COC. The exception is tied to missing Initial LE within XXX business days of the XXXd XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Please
provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial is provided.
|
Initial LE and initial disclosure
|
06/22/2026
|
LE dated within XXX days of the application provided; exception resolved; LE dated within XXX days of the application provided; exception resolved; Document
Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's
written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for
tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open
or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the
following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client
preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on
substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision
of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is
missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of XXX/XXX/XXX.
|
Initial LE and initial disclosure
|
06/22/2026
|
LE dated within XXX days of the application provided; exception resolved; LE dated within XXX days of the application provided; exception resolved; Document
Uploaded.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
C
|
A
|
C
|
C
|
C
|
A
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C
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C
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C
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A
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C
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C
|
C
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A
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C
|
C
|
C
|
A
|
C
|
B
|
A
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A
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B
|
B
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A
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A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630149
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
A
|
A
|
C
|
A
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A
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A
|
C
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B
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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B
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A
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A
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B
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630273
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630273
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630273
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630270
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Gift letter in file reflects XXX gift to borrower. DU AUS in file requires gift be verified by a signed gift
letter, documenting the transfer of the funds, and ensuring the gift comes from an eligible source. Unable to locate documentation in file supporting the transfer of funds.
|
Title gift wire receipts
|
06/22/2026
|
Wire evidence provided. ; Asset Record XXX Meets G/L Requirements Or Not Applicable.; Document Uploaded.
|
06/23/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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C
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A
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A
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C
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C
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630270
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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C
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A
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A
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A
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A
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A
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|||
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RATE202630270
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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C
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A
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A
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C
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C
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A
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C
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C
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A
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C
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630056
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630056
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630056
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630248
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
TRID: Missing Final Closing Disclosure. Final Closing Disclosure is missing from the file. Documentation required to clear exception: The Final CD XX/XX/XXXX
is missing from the loan file per Mavent in file. All testing was completed using CD XXX/XXX/XXX. Please provide final CD for additional testing.
|
Final Closing Disclosure
|
06/22/2026
|
TRID: Final Closing Disclosure Provided.; Document Uploaded.
|
06/24/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
B
|
A
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A
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A
|
D
|
A
|
D
|
B
|
A
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D
|
D
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B
|
A
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D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
RATE202630248
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX
|
Title Commitment
|
06/23/2026
|
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX.; Document Uploaded.
|
06/24/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630248
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
finding-47
|
Compliance
|
TILA Right of Rescission Test
|
This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3),
transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice
required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation Required: The disbursement date is missing from file due to final CD missing and no other documentation in file provides
evidence of date. The cancel by date on the ROR listed as XXX/XXX/XXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel.
|
Final CD provided; exception resolved; Final CD provided; exception resolved
|
06/22/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630248
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
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D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630269
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
TRID: Missing Final Closing Disclosure. Documentation required to clear exception: The Final CD XX/XX/XXXX is missing from the loan file per Mavent in file.
All testing was completed using CD XXX/XXX/XXX. Please provide final CD for additional testing.
|
Final Closing disclosure
|
06/23/2026
|
TRID: Final Closing Disclosure Provided.; Document Uploaded.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630269
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.
|
Appraisal_Delivery
|
06/23/2026
|
Evidence of appraisal delivery provided.; Document Uploaded.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630269
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
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RATE202630269
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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RATE202630271
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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RATE202630271
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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RATE202630271
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of
80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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RATE202630053
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE2800
|
Credit
|
Verified Liquid Assets Insufficient For Closing
|
Verified Liquid Assets are insufficient for closing in the amount of $-XXX. The loan application and AUS findings reflect XXX in “stock” sourced from XXX
account. The XXX printout reflects the market value of cryptocurrency. Per FNXXX B3-XXX-XXX, virtual currency is only eligible after liquidation into U dollars and deposited into a regulated financial institution. Please provide documentation
of liquidation and deposit to support inclusion as available funds, or update the loan application and AUS to remove the ineligible assets and provide sufficient liquid assets sufficient to cover required funds to close.
|
Bank Statement; Data verify
|
06/24/2026
|
Evidence provided of liquidation from XXX to XXX. Resolved. ; Verified Liquid Assets are sufficient for closing.; Document Uploaded. ; Document Uploaded.
|
06/25/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
C
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A
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C
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A
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C
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A
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A
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A
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|
|
RATE202630053
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1206
|
Credit
|
All Interested Parties Not Checked with Exclusionary Lists
|
All Interested Parties Not Checked with Exclusionary Lists. Appraisal company (XXX XXX & XXXs) was not checked against the exclusionary lists.
|
Fraud report
|
06/22/2026
|
Fraud provided with all applicable parties checked. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded.
|
06/25/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
C
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A
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C
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A
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C
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A
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A
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|
|
RATE202630053
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
C
|
A
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A
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A
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C
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A
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C
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C
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C
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A
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A
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C
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630053
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on
job.
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE1335
|
Credit
|
Borrower 1 IRS Transcripts Missing
|
Borrower 1 IRS Transcripts Missing. Borrower 1 W2 IRS Transcripts Missing for XXX and XXX
|
Transcripts
|
06/22/2026
|
Borrower 1 IRS Transcripts Provided.; Document Uploaded.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630094
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE1365
|
Credit
|
Borrower 2 IRS Transcripts Missing
|
Borrower 2 IRS Transcripts Missing. Borrower 2 W2 IRS Transcripts Missing for XXX and XXX
|
B2 transcripts
|
06/22/2026
|
Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX).; Document Uploaded.
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630094
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
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A
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A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630094
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630093
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630093
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
|||
|
RATE202630093
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630239
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE1365
|
Credit
|
Borrower 2 IRS Transcripts Missing
|
Borrower 2 IRS Transcripts Missing. Borrower 2 IW2 RS Transcripts for XXX and XXX Missing.
|
IRS Transcripts
|
06/24/2026
|
Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX).; Document Uploaded.
|
06/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
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A
|
A
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A
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A
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D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630239
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630239
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630201
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630201
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630201
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630024
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE9785
|
Credit
|
Purchase Contract is Incomplete
|
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The Borrower received a XXX seller credit at closing, as indicated on the final closing
disclosure. Please provide a fully executed amendment or addendum to the purchase contract, as the original contract does not reference this seller credit.
|
The contract States it. And this is now how XXX contracts are starting to appear where the buyer’s agent commission needs to show on the buyer’s side and
then the seller provides the credit as a closing cost credit to cover this.
|
06/25/2026
|
Purchase Contract Doc is complete.;
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630024
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630024
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE1347
|
Credit
|
Borrower 2 3rd Party VOE Prior to Close Missing
|
Borrower 2 3rd Party VOE Prior to Close Missing. Missing Verbal VOE for Borrower 2
|
Borrower 2 3rd Party VOE
|
06/23/2026
|
Documentation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals
XXX).; Document Uploaded.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
A
|
D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630158
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/18/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630261
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Comp XXX and XXX are the same property, therefore it should have either been removed or replaced with a different
comparable.
|
Updated Appraisal
|
06/25/2026
|
Comp XXX removed. ; Property/Appraisal Meets Guidelines.; Document Uploaded.
|
06/26/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
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A
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A
|
C
|
A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630261
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
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A
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630261
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
A
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
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A
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C
|
A
|
C
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A
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C
|
A
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C
|
A
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A
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A
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A
|
A
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A
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A
|
A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630249
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. XXX Pralls Loop – The borrower is currently residing in a rental property;
however, the file does not contain a Verification of Rent (VOR), canceled checks, or rent payment history. Therefore, a VOR, canceled checks, or other acceptable proof of rent payments is required.
|
LOX
|
07/02/2026
|
DU Approve/Eligible findings do not require a VOR solely due to first-time homebuyer status. Condition cleared.; Verification of Rent (VOR)/Verification of
Mortgage (VOM) Document is not Missing; Document Uploaded.
|
07/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630249
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630249
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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RATE202630255
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. Patriot Act Disclosure was provided in the file; however, the expiration date was not available on the document
for Borrower 2 (XXX). Therefore, a valid ID proof showing the expiration date is required.
|
PatriotAct
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07/02/2026
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B2 signed via POA. Condition cleared.; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
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D
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D
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RATE202630255
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE7496
|
Credit
|
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
|
In the appraisal report, the HOA dues are reflected as XXX annually ($XXX per monthnth), whereas the Final 1003 reflects XXX annually ($XXX per monthnth).
However, the HOA documentation is not available in the file. Therefore, the HOA dues have been updated based on the Final Closing Disclosure (CD). Additionally, a condition has been added requesting the most recent HOA payment
Statement/document to support the updated amount.
|
HOA Dues; HOA documentation page no :XXX
|
07/02/2026
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Lender provided evidence of a quarterly assessment in the amount of XXX or XXX a year. Condition cleared. ; Document Uploaded. ; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
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D
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RATE202630255
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero
tolerance exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of
XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination
according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That
Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally
disclosed under §1026.19(e)(1)(i).
|
Initial Loan estimate page no XXX
|
07/02/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
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D
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A
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C
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A
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D
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D
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D
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D
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C
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630255
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of
application, XX/XX/XXXX. The earliest HOC disclosure is dated XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling
organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date
is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and
conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this
section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section;
or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a
user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership
counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company
settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked
as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your
settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations.
|
Homeownership counseling disclosure Page no# XXX
|
07/02/2026
|
HOC dated within XXX days of the XXX provided; exception resolved ; HOC dated within XXX days of the XXX provided; exception resolved ; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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B
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A
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D
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A
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A
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A
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A
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A
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A
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RATE202630255
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The zero tolerance
exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX.
Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Initial Loan estimate
|
07/02/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The XXX% tolerance
exception is tied to the missing Initial LE and service provider list issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE and SPL are dated XX/XX/XXXX. Please provide the initial LE and Service provider list
issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once documents are provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan
contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable
charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee
is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX
percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
|
Initial Loan estimate
|
07/02/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The
earliest LE in the loan file was issued XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX of XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the
following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business
functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan
estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted
designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan
estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on
SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations
will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or
place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
|
Initial Loan estimate
|
07/02/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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C
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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D
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D
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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A
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A
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D
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A
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A
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A
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C
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A
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D
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D
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A
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C
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D
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D
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A
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D
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D
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630023
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630023
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630023
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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A
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A
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A
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A
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A
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RATE202630010
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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A
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|||
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RATE202630010
|
XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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A
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A
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A
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|||
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RATE202630010
|
XXX
|
XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
A
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A
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A
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A
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A
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A
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|||
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RATE202630224
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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|||
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RATE202630224
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630224
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630204
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of
application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within
three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three
business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX
days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD
for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the
creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later
than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease
note: This test does not validate the content of any list of homeownership counseling organizations.
|
Homeownership counseling disclosure
|
07/08/2026
|
HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved; Document Uploaded. ;
Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
|
A
|
B
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A
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A
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A
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C
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C
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C
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C
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630204
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The
exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX.
Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
NOLC; Initial LE
|
07/08/2026
|
Valid COC with applicable LE provided; exception resolved ; Valid COC with applicable LE provided; exception resolved ; Document Uploaded. ; Document
Uploaded. ; Updated cure amount to XXX due to the increase in credit technology and verification fee along with the increase in credit report fee. The file did not contain the date the 2nd borrower was added for testing; This loan failed the
charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance
violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith
if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
|
A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630204
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The
exception is tied to the missing Initial LE and Service provider list issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE and SPL are dated XX/XX/XXXX. Please provide the initial LE and Service provider list
issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once documents are provided. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan
contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable
charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee
is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX
percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630204
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The
earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the
following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business
functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan
estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted
designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan
estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall
deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
|
Initial LE
|
07/01/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; Document Uploaded.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
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A
|
C
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A
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C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630204
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
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C
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A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
|
A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630204
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630225
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630225
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630225
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630117
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE1365
|
Credit
|
Borrower 2 IRS Transcripts Missing
|
Borrower 2 IRS Transcripts Missing. Borrower 2 XXX W2 IRS Transcripts Missing.
|
Transcripts
|
07/16/2026
|
Client provided XXX IRS W-2 and Income Transcript for B2. LM Updated. Cleared.; Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers
equals XXX).; Document Uploaded.
|
07/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630117
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630117
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of Verification of Employment Fee
on LE dated XX/XX/XXXX without a valid COC. COC dated XX/XX/XXXX States "LE Reprint per borrower request" which is insufficient explanation for fee addition.
|
Loan Estimate
|
07/17/2026
|
Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded.
|
07/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
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A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
C
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A
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A
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C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.
|
Verified per guidelines, VOR/VOM not required.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing
|
07/17/2026
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
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A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
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C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
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C
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A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630176
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial
CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
INITIAL CD
|
07/17/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
07/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630176
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The
tolerance violation in the amount of XXX is due to the addition of the Verification of Employment fee on the CD dated XX/XX/XXXX. Because the loan failed the initial CD delivery date test due to Initial closing disclosure delivery date, any
values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed
once the Initial CD is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges
exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost
disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
INITIAL CD and PCCD
|
07/17/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
07/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630176
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630176
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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A
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A
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C
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C
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C
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C
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A
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A
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A
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|||
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RATE202630096
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Audited Reserves of XXX month(s) are less than Guideline Required
Reserves of XXX month(s)
|
ALTA Settlement Statement and closing disclosure
|
07/17/2026
|
Updated guidelines to match AUS in file. Reserves in file sufficient. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required
Reserves of XXX month(s); Document Uploaded.
|
07/20/2026
|
A
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A
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A
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A
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A
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||
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RATE202630096
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.
|
ALTA Settlement Statement – Seller and closing disclosure
|
07/17/2026
|
Updated guidelines to match AUS in file. Reserves in file sufficient. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.;
Document Uploaded.
|
07/20/2026
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A
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A
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A
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||
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RATE202630096
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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|||
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RATE202630096
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|||
|
RATE202630162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of
application, XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within
three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three
business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX
days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD
for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the
creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later
than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease
note: This test does not validate the content of any list of homeownership counseling organizations.
|
Homeownership counseling disclosure
|
07/09/2026
|
HOC dated within XXX days of the app date provided; Exception resolved; HOC dated within XXX days of the app date provided; Exception resolved; Document
Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
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A
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A
|
C
|
C
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A
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A
|
C
|
C
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A
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A
|
C
|
C
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A
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A
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C
|
C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the
earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Initial LE
|
07/09/2026
|
LE dated within XXX days of the app date provided; Exception resolved; LE dated within XXX days of the app date provided; Exception resolved; Document
Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the SPL was missing/late, fees in Section C were
subject to XXX% tolerance. The changes resulted in threshold to go above allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the missing document. If curing the violation: Refund in the
amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, and proof of delivery
|
Initial LE SSPL
|
07/09/2026
|
LE dated within XXX days of the app date provided; Exception resolved; LE dated within XXX days of the app date provided; Exception resolved; Document
Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The
earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the
following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business
functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan
estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted
designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan
estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall
deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
|
Initial LE
|
07/09/2026
|
LE dated within XXX days of the app date provided; Exception resolved; LE dated within XXX days of the app date provided; Exception resolved; Document
Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
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A
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C
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C
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A
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C
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C
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|||
|
RATE202630141
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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|||
|
RATE202630064
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90%
|
A
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|||
|
RATE202630064
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90%
|
A
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|||
|
RATE202630064
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90%
|
A
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A
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A
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A
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|||
|
RATE202630001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630001
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of
80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE1447
|
Credit
|
Asset 5 Expired
|
Asset 5 Expired. XXX #XXX - Dec XXX Statement is expired
|
Statement
|
07/07/2026
|
Client provided asset details from March through July. Resolved. ; Asset 5 Not Expired Or Not Applicable; Document Uploaded.
|
07/08/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) Document is Missing.
|
LOX
|
07/06/2026
|
Rescinded - AUS in file does not require housing verification. Client provided LOX. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is
not Missing; Document Uploaded.
|
07/07/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
||
|
RATE202630034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630174
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630174
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630174
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630046
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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A
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A
|
A
|
|||
|
RATE202630046
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
|
A
|
A
|
A
|
|||
|
RATE202630046
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630163
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
A
|
A
|
A
|
A
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A
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A
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A
|
A
|
A
|
A
|
||||
|
RATE202630163
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
|
A
|
||||
|
RATE202630163
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
||||
|
RATE202630007
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630007
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630007
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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|||
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RATE202630159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The zero tolerance
exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX.
Additional testing will be completed, once the initial LE is provided. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Iniial LE SSPL
|
07/09/2026
|
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; This loan failed the
charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance
violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith
if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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RATE202630159
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX business days of
application of XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not
within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than
three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership
counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX
days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD
for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the
creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later
than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being
open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer
calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This
test does not validate the content of any list of homeownership counseling organizations.
|
Homeownership counseling disclosure
|
07/09/2026
|
HOC dated within XXX days of the XXX provided; exception resolved; HOC dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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B
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A
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A
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A
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RATE202630159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
TILA 130b Cure Required. Refund in the amount of $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The XXX% tolerance
exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX.
Additional testing will be completed, once the initial LE is provided. Also, Please provide the SSPL dated within XXX days of the application. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR
§1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than
XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a
third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under
§1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with
§1026.19(e)(1)(vi).
|
Iniial LE SSPL
|
07/09/2026
|
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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RATE202630159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX is missing from the loan file. The earliest LE in the loan file was
issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX of XX/XX/XXXX. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR
§1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the
creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been
delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days
that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three
business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on
SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's
offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the
disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.
|
Initial LE SSPL
|
07/09/2026
|
LE dated within XXX days of the XXX provided; exception resolved; LE dated within XXX days of the XXX provided; exception resolved; Document Uploaded.
|
07/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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C
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A
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A
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A
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RATE202630159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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A
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A
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A
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A
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|||
|
RATE202630159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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A
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A
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A
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|||
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RATE202630160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630160
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630119
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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RATE202630135
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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RATE202630135
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630135
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630187
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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|||
|
RATE202630187
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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|||
|
RATE202630187
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. FNMA guidelines requires the housing payment for each borrower’s XXX residence
must be considered when underwriting the loan. The borrower Stated on the Final 1003 that he has been renting his current residence for over XXX years at XXX per month.
|
Letter of explanation (VOR not required)
|
07/06/2026
|
Not required per AUS. Rescinded. Client provided explanation. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Document
Uploaded.
|
07/07/2026
|
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||
|
RATE202630169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
|
|||
|
RATE202630169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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|||
|
RATE202630006
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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|||
|
RATE202630006
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630006
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
|
|||
|
RATE202630120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The title fees increased and were added to the CD issued XX/XX/XXXX without a valid reason.
|
PCCD and refund
|
07/14/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded.
|
07/15/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCRE1335
|
Credit
|
Borrower 1 IRS Transcripts Missing
|
Borrower 1 IRS Transcripts Missing. Borrower 1 IRS Transcripts Missing.
|
Borrower 1 IRS Transcripts
|
07/06/2026
|
Borrower 1 IRS Transcripts Provided.; Document Uploaded.
|
07/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
A
|
A
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630175
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery or valid coc. The Tract Search fee to the
affiliate was added to the LE issued XX/XX/XXXX without a valid reason. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to
§1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between
the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).
|
Letter of explanation, PCCD, Check copy XXX and label ; PCCD; Check copy; Final CD
|
07/22/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Document Uploaded. ; Cure package is missing proof of delivery.
PCCD, LOE and copy of check have been provided; Document Uploaded. ; Cure package is missing LOE and proof of refund delivery ; Document Uploaded. ; TILA 130 required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund
and proof of delivery or valid coc. The Tract Search fee to the affiliate was added to the LE issued XX/XX/XXXX without a valid reason. A cure of XXX is not considered sufficient ; Document Uploaded.
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630175
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630175
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630118
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCRE1335
|
Credit
|
Borrower 1 IRS Transcripts Missing
|
Borrower 1 IRS Transcripts Missing. Borrower 1 IRS Transcripts Missing.
|
Borrower 1 IRS Transcripts
|
07/09/2026
|
Borrower 1 IRS Transcripts Provided.; Document Uploaded.
|
07/10/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630118
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630118
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV
of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater
than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630250
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630250
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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|||
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RATE202630250
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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|||
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RATE202630234
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630234
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630234
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/08/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).
|
Insurance rebuttal
|
07/17/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded.
|
07/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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C
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/08/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/09/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1335
|
Credit
|
Borrower 1 IRS Transcripts Missing
|
Borrower 1 IRS Transcripts Missing. Borrower 1 XXX and XXX W2 IRS Transcripts Missing.
|
Borrower 1 IRS Transcripts
|
07/15/2026
|
Borrower 1 IRS Transcripts Provided.; Document Uploaded.
|
07/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
D
|
A
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D
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
|
D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/08/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM1227
|
Credit
|
PUD Rider is Missing
|
PUD Rider is Missing.
|
Deed of trust and letter of explanation
|
07/21/2026
|
Client provided LOX as well as corrected DOT. Resolved; The PUD Rider is Present or is Not Applicable (XXX is PUD).; Document Uploaded.
|
07/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
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This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required. The initial CD is missing from the loan file. The earliest CD in file is dated XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that it was received
by the consumer XXX business days prior to consummation dated XX/XX/XXXX. The XXX shows a CD dated XX/XX/XXXX which was not included in the original loan file
|
Initial closing disclosure
|
07/15/2026
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Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
07/16/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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RATE202630190
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
07/09/2026
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Resolved
|
finding-3634
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Compliance
|
Charges That Cannot Increase Test
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This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure
Required. refund in the amount of XXX cure package requires a PCCD, LOE, Copy of refund check and proof of delivery or valid COC. The tolerance violation in the amount of XXX is due to increased XXX to XXX for Discount Points fee, Increase XXX
to XXX for Appraisal Rush fee, and increase XXX for XXX to XXX Transfer tax fee on CD XX/XX/XXXX. Because the loan failed the initial CD delivery date test due to missing initial CD, any values that would be under a valid COC, if disclosure had
been provided, will not be considered valid for tolerance purposes. The violation can be cured if missing Closing disclosure is provided. Additional testing will be completed once the initial CD is provided.
|
Cure package
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07/15/2026
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Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
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07/16/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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RATE202630190
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
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Resolved
|
FPRO8998
|
Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
07/14/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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D
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RATE202630044
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
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FPRO8998
|
Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
07/14/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630044
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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A
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RATE202630044
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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A
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|||
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RATE202630171
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX%
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A
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RATE202630171
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX%
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A
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A
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|||
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RATE202630171
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b cure required. Refund in the amount of XXX cure
package requires a PCCD, LOE, copy of refund check and proof of delivery or valid COC. The tolerance violation in the amount of XXX is due to increased XXX to XXX for mortgage recording fee on CD XX/XX/XXXX.
|
CD with COC
|
07/22/2026
|
Valid COC provided - exception resolved; Valid COC provided - exception resolved; Document Uploaded.
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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C
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A
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A
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A
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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A
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A
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A
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A
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C
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C
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C
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C
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C
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A
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A
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A
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A
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A
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|||
|
RATE202630039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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A
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A
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A
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C
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C
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C
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C
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C
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C
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C
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A
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A
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A
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A
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|||
|
RATE202630035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate.
|
Flood Certificate
|
07/15/2026
|
Flood Certificate is fully present.; Document Uploaded.
|
07/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90%
|
D
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A
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D
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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D
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 90%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630125
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630125
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630125
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s)
|
Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s). All accounts are eligible for reserves per the AUS
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of $ are less than Guideline Required Reserves of $XXX.
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. All accounts are eligible for reserves per the AUS
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
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A
|
A
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A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Rescinded
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.
|
Letter of explanation
|
07/16/2026
|
Rescinded - No VOR required on AUS. Per client, "We have over $13M in verified assets, and only needed about XXX in total assets verified. The guidelines
State to follow the AUS for VORs, and the AUS in the file does not require a VOR for the borrower’s current rental residence."; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Document Uploaded.
|
07/20/2026
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
RATE202630128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630179
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630179
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630179
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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RATE202630185
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to addition of the XXX survey fee on the CD dated XX/XX/XXXX without valid COC. No survey fee
listed on initial LE dated XX/XX/XXXX. Survey fee tested using XXX% tolerance as fee not listed on written list of service providers or noted as title fee on final CD.
|
COC
|
07/15/2026
|
Client confirmed that the borrower shopped for the survey fee since it was not a required fee - exception resolved.; Client confirmed that the borrower
shopped for the survey fee since it was not a required fee - exception resolved.; Client provided the below rebuttal "In regards to the below suspense – as advised the borrower shopped This is a XXX file and the survey is not required. It is
borrower chose to have a survey done that is why it was not on the LE and once the CD as provided with COC for title fees updated the borrower picked to have that service.. There shouldn’t be a cure needed for this."; The SSPL did not contain a
surveyor as a service provider therefore they were not permitted to shop for that service; Document Uploaded.
|
07/27/2026
|
Borrower has stable job time - Borrower has XXX years on job.
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C
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RATE202630185
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
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|||
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RATE202630185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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A
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|||
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RATE202630191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide Replacement Cost Estimate
or increase dwelling amount to cover Replacement Cost New
|
Underwriter LOX
|
07/15/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded.
|
07/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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RATE202630191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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A
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A
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C
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C
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A
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630186
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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|||
|
RATE202630186
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630186
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate.
|
Flood Certificate
|
07/15/2026
|
Flood Certificate is fully present.; Document Uploaded.
|
07/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
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A
|
D
|
D
|
A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy.
|
INSURANCE DECK
|
07/17/2026
|
Client provided Evidence of Property Insurance and RCE reflecting XXX Estimated Replacement Cost. LM Updated. Cleared.; Hazard Insurance Policy is fully
present.; Document Uploaded.
|
07/17/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
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A
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A
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A
|
D
|
D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Cured
|
finding-651
|
Compliance
|
TILA Finance Charge Test
|
TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in
the finance charge calculation include: Loan Origination Fee paid by Borrower: XXX Application Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Technology Fee paid by Borrower: XXX MERS Registration Fee paid by Borrower: XXX
Tie-in Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance
charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX
|
Check; PCCD, LOX and Proof of Delivery.; Final XXX, Final settlement and under disclosed fee response; PCCD
|
07/29/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded. ; Document Uploaded. ; The amount listed as "disclosed" on the XXX
XXX doesnt match the amount disclosed XXX on the CD signed at consummation. There is a difference of $XXX. A redisclosure of the finance charges on the PCCD does not cure the violation at consummation. Refund in the amount of $XXX; cure package
requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Loan Origination Fee paid by Borrower: XXX Application Fee paid by Borrower: XXX Tax Service Fee paid by Borrower:
XXX Technology Fee paid by Borrower: XXX MERS Registration Fee paid by Borrower: XXX Tie-in Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Prepaid Interest paid by Borrower:
XXX ; Document Uploaded. ; PCCD provided did not resolve the exception, the finance charges were under-disclosed at consummation and requires a cure. ; Document Uploaded.
|
07/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630232
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630232
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630232
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630231
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630231
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630231
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1335
|
Credit
|
Borrower 1 IRS Transcripts Missing
|
Borrower 1 IRS Transcripts Missing.
|
Wage and Income transcripts
|
07/17/2026
|
Client provided transcripts to satisfy condition. Reports dated XX/XX/XXXX; Borrower 1 IRS Transcripts Provided.; Document Uploaded.
|
07/20/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Rescinded
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.
|
; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing
|
07/17/2026
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements. Missing payment history for current XXX residence.
|
Housing History Meets Guideline Requirements.; Housing History Does Not Meet Guideline Requirements.
|
07/17/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
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A
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A
|
D
|
D
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A
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A
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D
|
D
|
A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
|
D
|
A
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A
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D
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D
|
A
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A
|
D
|
D
|
A
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A
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D
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D
|
A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630203
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
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A
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630209
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630209
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
|||
|
RATE202630209
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is
Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630230
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Cured
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure
Required. Refund in the amount of XXX cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the credit report fee increasing on LE
XX/XX/XXXX. The COC dated XX/XX/XXXX wasn't accepted because the change was for float to lock, but does not reference any reason why the credit report increased. Provide a revised COC to explain the credit report increase to possibly clear the
exception.
|
Cure Docs
|
07/21/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Document Uploaded.
|
07/22/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
RATE202630230
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630230
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
RATE202630226
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. XXX The mortgage documents reflect the property as a PUD, and a PUD Rider is also
included in the file. However, in the appraisal report, the PUD checkbox is not checked. Additionally, the LOX on page XXX States that the property is located across the street from a PUD but is not itself part of that PUD or HOA. XXX As per
procedure, if the property is not part of a PUD, a revised mortgage document with the PUD checkbox unchecked is required. Alternatively, a revised appraisal confirming the property is a PUD with the PUD checkbox checked must be provided to
resolve the discrepancy.
|
Aus Removing Pud, Letter of intent, Mortgage removing PUD rider, VOR rebuttal
|
07/17/2026
|
Client provided updated mortgage, AUS, and letter of explanations dated XX/XX/XXXX. ; The issue with the property has been resolved.; Document Uploaded.
|
07/20/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630226
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Rescinded
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. XXX XXX – The borrower is currently residing in a rental property. However, the
file does not contain a Verification of Rent (VOR), canceled rent checks, or rent payment history. Therefore, a VOR, canceled checks, or other acceptable proof of rent payments is required.
|
Verified per guidelines. VOM/VOR not required. Rescinded condition.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing
|
07/17/2026
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630226
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
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A
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A
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A
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A
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C
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A
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A
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C
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C
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C
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C
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C
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A
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|||
|
RATE202630208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. Available WVOE is not dated within XXX business days prior to the note date; therefore, a VVOE is required
within XXX business days of the note date.
|
3rd Party VOE
|
07/16/2026
|
Client provided VVOE for B1 dated XX/XX/XXXX. LM Updated. Cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided.; Document Uploaded.
|
07/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
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A
|
A
|
A
|
A
|
|||
|
RATE202630233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
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A
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D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630028
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/08/2026
|
Rescinded
|
FPRO0947
|
Property
|
External Obsolescence Present
|
External obsolescence present. External obsolescence present in file - The subject site is level and is typical in Size. The site has complete front and rear
landscape and hardscape. External Obsolescence noted as the subject property is located in close proximity to the XXX and a railroad resulting in a negative external influence.
|
External Obsolescence finding rescinded as the obsolescence is not environmental in nature, was factored into the appraised value, and the comp properties
also have the same location factors.; External obsolescence meets guidelines.
|
07/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||
|
RATE202630028
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630028
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630012
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630012
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630012
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630253
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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RATE202630253
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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|||
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RATE202630253
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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|||
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RATE202630267
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1485
|
Credit
|
Asset 7 Does Not Meet Guideline Requirements
|
Asset 7 Does Not Meet Guideline Requirements. Gift letter from mother for XXX AUS was ran with the gift funds. Loan file does not contain evidence of the gift
transfer, therefore it was not included in the asset calculation. Borrower has sufficient funds to close without the use of gift funds.
|
Gift funds
|
07/21/2026
|
Client provided wire details reflecting direct wire. Resolved. ; Asset 7 Meets Guideline Requirements Or Not Applicable; Document Uploaded.
|
07/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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RATE202630267
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Preliminary report and title supplement does not reflect the coverage amount.
|
Lender policy
|
07/21/2026
|
Title provided with XXX in sufficient coverage and dated XX/XX/XXXX. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien
$XXX.; Document Uploaded.
|
07/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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B
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
RATE202630267
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated and executed XX/XX/XXXX. The violation can be cured by providing the initial CD as well as
evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Initial closing disclosure
|
07/17/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
07/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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A
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C
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A
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C
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A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630267
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points on
the final CD dated XX/XX/XXXX. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid
for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided.
|
PCCD NITIAL CD AND CD XX/XX/XXXX
|
07/17/2026
|
Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
07/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
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C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630267
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
A
|
A
|
C
|
A
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A
|
A
|
C
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A
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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C
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C
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630274
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/09/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.
|
Appraisal Delivery XXX; Appraisal delivery
|
07/27/2026
|
Evidence of appraisal delivery provided.; Document Uploaded. ; The file did not contain evidence confirming a copy of the appraisal was provided to the
consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the
report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation provided shows the appraisal was provided to the borrower on XX/XX/XXXX which is after consummation; Document Uploaded.
|
07/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
B
|
A
|
B
|
A
|
A
|
A
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A
|
A
|
B
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A
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B
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A
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A
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B
|
B
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A
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A
|
B
|
B
|
A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
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A
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B
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630274
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
B
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
B
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A
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B
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A
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A
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B
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B
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A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
B
|
A
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A
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B
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630274
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
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B
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A
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A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
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A
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B
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630244
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630244
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630244
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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RATE202630275
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
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A
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RATE202630275
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
A
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RATE202630275
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
A
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RATE202630245
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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RATE202630245
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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RATE202630245
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
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|
RATE202630242
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
|
A
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|||
|
RATE202630242
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
|
A
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A
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|||
|
RATE202630242
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
|
A
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A
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|||
|
RATE202630177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM1221
|
Credit
|
The Deed of Trust is Incomplete
|
The Deed of Trust is Incomplete. The Deed of Trust includes a notary acknowledgment dated XX/XX/XXXX, which does not align with the executed closing
documents. The Note and Mortgage reflect printed dates of XX/XX/XXXX, but both were certified as true copies on XX/XX/XXXX. The final loan application and Closing Disclosure were also signed on XX/XX/XXXX. Please provide a corrected notary
acknowledgment (or title company correction) reflecting the accurate execution date of XX/XX/XXXX.
|
Corrected DOT, LOI and Corrected Notary Page and LOI to Record
|
07/28/2026
|
The Deed of Trust is Present and Complete.; Document Uploaded.
|
07/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
|
D
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A
|
D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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D
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D
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A
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A
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A
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A
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|
|
RATE202630177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. The Borrowers deposited XXX in earnest money; however, the loan file does not include sufficient
documentation to verify the destination of the funds. Account activity only reflets a XXX wire clearing on XX/XX/XXXX from account ending in #XXX, but no wire instructions, wire confirmation, or settlement agent documentation are provided to
identify the receiving account or confirm whether the wire was sent to escrow/title company or to the real eState agent. Please provide documentation confirming that the wire sent represents the earnest money deposit for the subject
transaction.
|
EM Receipt and EM wire
|
07/20/2026
|
Client provided Incoming Wire Notification reflecting received on XX/XX/XXXX to The XXX of XXX; Asset Qualification Meets Guideline Requirements.; Document
Uploaded.
|
07/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
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D
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A
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A
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A
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A
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D
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D
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|
|
RATE202630177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
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A
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A
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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D
|
D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630066
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630066
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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RATE202630066
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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RATE202630184
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
finding-3532
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Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial
CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Loan estimates and closing disclosure.
|
07/15/2026
|
Initial CD provided; exception resolved ; Initial CD provided; exception resolved ; Document Uploaded.
|
07/16/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
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A
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A
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A
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RATE202630184
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be
performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer.
|
Loan estimates and closing disclosure.
|
07/15/2026
|
LEs provided; exception resolved ; Document Uploaded.
|
07/16/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
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D
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A
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A
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A
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A
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A
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RATE202630184
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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D
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D
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D
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A
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A
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A
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A
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A
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|||
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RATE202630184
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of
XX.XX% is less than Guideline LTV of 80%
|
D
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A
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A
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|||
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RATE202630210
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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|||
|
RATE202630210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630205
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/13/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed on XX/XX/XXXX. Per the Compliance report, the Initial CD was provided
or mailed on XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Initial CD
|
07/16/2026
|
Initial CD provided; exception resolved ; Initial CD provided; exception resolved ; Document Uploaded.
|
07/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630205
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/13/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the loan discount
points added to CD XX/XX/XXXX. The COC wasn't accepted because the initial CD dated XX/XX/XXXX is missing. Providing the initial CD should clear the exception.
|
Initial CD
|
07/16/2026
|
Initial CD provided; exception resolved ; Initial CD provided; exception resolved ; Document Uploaded.
|
07/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
C
|
A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630205
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630205
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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A
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630278
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/10/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80%
|
A
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A
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|||
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RATE202630278
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80%
|
A
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RATE202630278
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline LTV of 80%
|
A
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|||
|
RATE202630070
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/13/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630070
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/13/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630070
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/14/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630227
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|
|||
|
RATE202630227
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
|
|||
|
RATE202630227
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630215
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630215
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630215
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is
greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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|||
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RATE202630228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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|||
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RATE202630228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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|||
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RATE202630235
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV
of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
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RATE202630235
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV
of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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|||
|
RATE202630235
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX
years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV
of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630236
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE1485
|
Credit
|
Asset 7 Does Not Meet Guideline Requirements
|
Asset 7 Does Not Meet Guideline Requirements. The borrower is selling the departure residence which was to be closed on or before closing and using proceeds
form the sale for the subject loan. The loan file contains a sales contract for the property, however it does not contain any documentation to support that the property sold on or before the subject closing date. Evidence of the sale is
required to exclude the debt and for the proceeds.
|
Sale closing disclosure
|
07/23/2026
|
Client provided CD for departure residence dated XX/XX/XXXX with XXX proceeds to borrower. Re-calculation of assets reflects sufficient funds. ; Asset 7 Meets
Guideline Requirements Or Not Applicable; Document Uploaded.
|
07/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
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A
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A
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A
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A
|
C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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C
|
C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630236
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630236
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original
CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630241
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE2900
|
Credit
|
Borrower Non-US Citizen Identification Document Missing
|
Non XXX Borrower is missing Identification Document.
|
Identification Document
|
07/22/2026
|
Employment identification evidence provided. Cleared. ; Borrower Identification Document provided.; Document Uploaded.
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630241
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE2901
|
Credit
|
Borrower 2 Non-US Citizen Identification Document Missing
|
Non XXX Borrower 2 is missing Identification Document.
|
Identification Document
|
07/22/2026
|
Employment identification evidence provided. Cleared. ; Borrower 2 Identification Document provided.; Document Uploaded.
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630241
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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A
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D
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D
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D
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D
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D
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A
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|||
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RATE202630241
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job.
|
D
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A
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A
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A
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D
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|||
|
RATE202630074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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|||
|
RATE202630074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline CLTV of 90%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline CLTV of 90%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline CLTV of 90%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630017
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630017
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630017
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630276
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE1164
|
Credit
|
Flood Insurance Policy Missing
|
Missing Flood Insurance Policy.
|
Flood Insurance
|
07/23/2026
|
Flood Insurance Policy is fully present.; Document Uploaded.
|
07/24/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
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D
|
A
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A
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A
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A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
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A
|
A
|
D
|
D
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630276
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
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A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630276
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630266
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630266
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630266
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
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Resolved
|
FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
07/21/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630272
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
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Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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RATE202630272
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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RATE202630272
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Borrower has stable job time - Borrower has XXX years
on job.
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RATE202630099
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
finding-3532
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Compliance
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Initial Closing Disclosure Delivery Date Test
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This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial
CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Per the Compliance Report, the ICD was issued on XX/XX/XXXX.
|
Initial Closing disclosure
|
07/24/2026
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Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.
|
07/24/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630099
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630099
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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RATE202630076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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RATE202630076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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|||
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RATE202630188
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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A
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|||
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RATE202630188
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630188
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
A
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|||
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RATE202630083
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according
to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data
between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b
Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the
earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided.
|
Initial LE
|
07/24/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR
§1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance
Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the
consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded.
|
07/27/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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RATE202630083
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
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Resolved
|
finding-3635
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Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure
package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide
the initial LE issued within XXX business days of the XXX of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided.
|
Initial LE
|
07/24/2026
|
Initial LE provided; exception resolved; Initial LE provided; exception resolved; This loan failed the charges that in total cannot increase more than XXX%
test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase
more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a
third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under
§1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with
§1026.19(e)(1)(vi).; Document Uploaded.
|
07/27/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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RATE202630083
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
finding-3367
|
Compliance
|
RESPA Homeownership Counseling Organizations Disclosure Date Test
|
This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a
homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date creditor received application if loan Originator's XXX is not provided); orThe homeownership counseling
organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan
applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each
loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the
requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his
calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to
§1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences
configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page
such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result,
you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling
disclosure that was provided to the consumer within XXX business days of XXX of XX/XX/XXXX.
|
Initial Homeownership Counselling List
|
07/24/2026
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HOC list provided within XXX days of the XXX; exception resolved; HOC list provided within XXX days of the XXX; exception resolved; Document Uploaded.
|
07/27/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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B
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RATE202630083
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan
estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's
written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for
tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open
or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the
following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client
preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on
substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision
of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception- The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is
missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of XXX of XX/XX/XXXX. Also provide the written list of service providers dated
XX/XX/XXXX.
|
Loam Estimate
|
07/24/2026
|
LE provided within XXX days of the XXX; exception resolved; LE provided within XXX days of the XXX; exception resolved; Document Uploaded.
|
07/27/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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RATE202630083
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/18/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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RATE202630083
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/18/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
LTV of 80% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of
XXX
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RATE202630062
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630062
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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|||
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RATE202630062
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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A
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|||
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RATE202630189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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|||
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RATE202630189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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|||
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RATE202630189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630078
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
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Resolved
|
finding-3532
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Compliance
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Initial Closing Disclosure Delivery Date Test
|
This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing
disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business
days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing
disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the
transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the
consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business
days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed XX/XX/XXXX. The violation can be cured by providing the initial CD as
well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
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Initial CD XX/XX/XXXX; Initial CD; Initial Disclosures
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07/28/2026
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Initial CD and receipt date provided; exception resolved ; Document Uploaded. ; The initial CD dated XX/XX/XXXX did not have a receipt date; using the mailbox
rule, the CD was not received timely ; Document Uploaded. ; The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed XX/XX/XXXX. The violation can be cured by providing the initial CD as well as
evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Attached is the initial Disclosure package at time of application. ; Document Uploaded. ;
|
07/28/2026
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Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630078
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630078
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
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Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of
XX.XX% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job.
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RATE202630183
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630183
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630183
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630088
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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|||
|
RATE202630088
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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|||
|
RATE202630088
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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|||
|
RATE202630089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on
job.
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|||
|
RATE202630089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on
job.
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A
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|||
|
RATE202630089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on
job.
|
A
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A
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|||
|
RATE202630192
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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|||
|
RATE202630192
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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|||
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RATE202630192
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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|||
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RATE202630018
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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|||
|
RATE202630018
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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|||
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RATE202630018
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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|||
|
RATE202630157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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|||
|
RATE202630157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
RATE202630157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
|
RATE202630080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
TRID: Missing Final Closing Disclosure. Documentation required to clear exception: The Final CD dated XX/XX/XXXX is missing from the loan file per XXX in
file. All testing was completed using CD dated XX/XX/XXXX. Provide final CD for additional testing.
|
Final CD
|
07/22/2026
|
Final CD provided; Exception resolved; Document Uploaded.
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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D
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
RATE202630080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the file is dated XX/XX/XXXX and signed
XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. XXX cannot be counted as business day due to being a
federal holiday. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure
method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal
public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all
calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and
the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is
provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.
|
Closing disclosure
|
07/22/2026
|
Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; Document Uploaded.
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
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A
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A
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A
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A
|
D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
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A
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A
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A
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
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A
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A
|
A
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A
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D
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A
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630065
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630065
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630065
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying DTI below max allowed. - Calculated
DTI of XXX% is less than Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80%
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630172
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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RATE202630172
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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RATE202630172
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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|||
|
RATE202630005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase of the settlement fee from XXX to XXX upper court fee from XXX to XXX and the wire fee
from XXX to XXX without valid COC.
|
Lender confirmed borrower did not shop; exception resolved; Lender confirmed borrower did not shop; exception resolved
|
07/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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C
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|||
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RATE202630005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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C
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C
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C
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C
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C
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A
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C
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C
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A
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C
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A
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|||
|
RATE202630005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
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A
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A
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A
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A
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A
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C
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A
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|||
|
RATE202630237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-1 from sale of non-subject property
|
Missing evidence if property located at XXX was sold or retained. The taxes and insurance was not factored into the qualifying DTI and unable to locate the
final CD to verified as sold.
|
Lender provided an updated 1003,XXX and AUS to include the PITIA for the property located at XXX. Condition cleared.
|
07/28/2026
|
; Document Uploaded.
|
07/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX
|
D
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A
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D
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A
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D
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A
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A
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D
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D
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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|
|
RATE202630237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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D
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D
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D
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D
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A
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D
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D
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO
of XXX
|
D
|
A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630246
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/17/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630246
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630246
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline
DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630071
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630071
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630071
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
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|||
|
RATE202630059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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|||
|
RATE202630059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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|||
|
RATE202630279
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline DTI of XXX%
|
A
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A
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A
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A
|
|||
|
RATE202630279
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline DTI of XXX%
|
A
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A
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A
|
|||
|
RATE202630279
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than
Guideline DTI of XXX%
|
A
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A
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A
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A
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A
|
A
|
A
|
|||
|
RATE202630048
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630048
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630048
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630112
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630112
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630112
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years
on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630095
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630095
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/20/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630095
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630049
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. Borrower 1 3rd Party VOE Prior to Close Missing.
|
Borrower 1 3rd Party VOE
|
07/24/2026
|
Client provided evidence to support business ownership, VOE and tax returns. VOE dated XX/XX/XXXX; Borrower 1 3rd Party VOE Prior to Close Was Provided.;
Document Uploaded.
|
07/27/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
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D
|
A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
|
D
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A
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A
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D
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D
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A
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A
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D
|
D
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|
|
RATE202630049
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
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A
|
A
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A
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A
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D
|
D
|
A
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A
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D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630049
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
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A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2026
|
Resolved
|
FCRE9785
|
Credit
|
Purchase Contract is Incomplete
|
Loan Purpose is Purchase but Purchase Contract Doc is Incomplete. The borrower received XXX seller credit which was not agreed upon in the purchase contact.
The loan file does not contain an executed addendum from the seller agreeing to the credit.
|
Purchase Contract Addendum
|
07/27/2026
|
Client provided executed amendment reflecting proceeds of XXX ; Purchase Contract Doc is complete.; Document Uploaded.
|
07/29/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2026
|
Resolved
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Title documentation in file does not reflect title coverage or vesting information.
|
Title and title supplement
|
07/29/2026
|
Property Title Issue Resolved.; Document Uploaded.
|
07/29/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630050
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XX.XX% is less than Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of
XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630197
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630197
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630197
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630277
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630277
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
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|||
|
RATE202630277
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% |
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80%
|
A
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|||
|
RATE202630031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
RATE202630031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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|||
|
RATE202630031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
|
|||
|
RATE202630081
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630081
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630081
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630182
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630182
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630182
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630111
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).
|
RCE
|
07/24/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded.
|
07/27/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630111
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than 10% Test
|
This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the
consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please
see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party
service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure
package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the survey fee of XXX on CD dated XX/XX/XXXX without valid COC. No survey fee listed on initial
LE dated XX/XX/XXXX. Survey fee tested using XXX% tolerance as fee not listed on written list of service providers or noted as title fee on final CD.
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Received the following rebuttal from the client: "If there is NO survey provider listed on the SSPL & this was charge by the title agent (title was
shopped) then the borrower shopped for this fee and it is an unlimited tolerance. Furthermore, in XXX a survey is not required either." Since client confirmed- borrower shopped - exception resolved.; Received the following rebuttal from the
client: "If there is NO survey provider listed on the SSPL & this was charge by the title agent (title was shopped) then the borrower shopped for this fee and it is an unlimited tolerance. Furthermore, in XXX a survey is not required
either." Since client confirmed- borrower shopped - exception resolved.
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07/27/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630111
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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07/23/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
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07/23/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630077
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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07/23/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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07/23/2026
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Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630077
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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07/23/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
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07/23/2026
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Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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RATE202630077
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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|||
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RATE202630026
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
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Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy.
|
Hazard Insurance Policy
|
07/24/2026
|
Client provided HOI and estimated replacement cost evidence for XXX Coverage sufficient. ; Hazard Insurance Policy is fully present.; Document Uploaded.
|
07/25/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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A
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A
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RATE202630026
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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A
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A
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A
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|||
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RATE202630026
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
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A
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A
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A
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A
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A
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A
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|||
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RATE202630195
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM1206
|
Credit
|
The Note is Missing
|
The Note is Missing. Documentation required to clear exception: Please provide the Note.
|
Note
|
07/28/2026
|
Lender provided the signed Note for the subject loan. Condition cleared.; Document Uploaded.
|
07/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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A
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D
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D
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D
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D
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D
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D
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D
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D
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D
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM1220
|
Credit
|
The Deed of Trust is Missing
|
The Deed of Trust is Missing. The Deed of Trust is Missing.
|
Deed of Trust
|
07/28/2026
|
Lender provided the signed complete Deed of Trust. Condition cleared.; Document Uploaded.
|
07/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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D
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A
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D
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A
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D
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
TRID: Missing Final Closing Disclosure. Documentation required to clear exception: The Final CD XX/XX/XXXX is missing from the loan file per XXX in file. All
testing was completed using CD XX/XX/XXXX. Please provide final CD for additional testing.
|
Closing Disclosure
|
07/27/2026
|
TRID: Final Closing Disclosure Provided.; Document Uploaded.
|
07/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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D
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A
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D
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A
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A
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D
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D
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D
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D
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D
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A
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D
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D
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D
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A
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D
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D
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D
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A
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
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RATE202630195
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
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A
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A
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A
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D
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630013
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% The lender qualified the borrower using XXX taxes rather than the current tax amount for the first installment due
by XX/XX/XXXX / XXX = XXX per tax bill which is also consistent with the taxes on the title commitment. Lender qualified with XXX total tax of XXX or XXX per month. This caused the Audit DTI to increase from XXX% to XXX%
|
We would never go off XXX months based on installment one. Installment XXX for XXX county is always lower, we went off the prior years taxes on XXX county as
2nd installment is available and verified which comes out late XXX or early XXX
|
07/27/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%;
|
07/27/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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C
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A
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C
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A
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A
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A
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A
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C
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C
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A
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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RATE202630013
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
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A
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A
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
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RATE202630013
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
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A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
RATE202630229
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
|||
|
RATE202630229
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630229
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630238
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM3849
|
Compliance
|
Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
|
The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date.
If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation
required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file.
|
Proof of Apprsaisal Delivery
|
07/27/2026
|
Evidence of appraisal delivery provided.; Document Uploaded.
|
07/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630238
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630238
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630165
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630165
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630165
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630166
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630166
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630166
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. 3rd Party VOE Prior to Close Missing.
|
VOA ontact and Invoice ; Borrower 1 3rd Party VOE
|
07/24/2026
|
Client provided employment contracts, invoices based on contracts, tax transcripts and bank Statement for verification. Resolved. ; Borrower 1 3rd Party VOE
Prior to Close Was Provided.; Document Uploaded. ; Document Uploaded.
|
07/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX%
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the
Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX%
|
D
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A
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A
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A
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D
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A
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A
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A
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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D
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D
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
RATE202630114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||
|
RATE202630114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline
Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
|||
|
RATE202630021
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE1186
|
Credit
|
Audited DTI Exceeds AUS DTI
|
Audited DTI of XXX% exceeds AUS DTI of XXX% Discrepancy due to audit calculation different in rental income calculations than lender.
|
AUS,1008 and 1003
|
07/28/2026
|
Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Document Uploaded.
|
07/28/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
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C
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A
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C
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A
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A
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A
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A
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A
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C
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C
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A
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A
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C
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C
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A
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A
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C
|
C
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A
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A
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C
|
C
|
A
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A
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C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
RATE202630021
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
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A
|
C
|
A
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A
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A
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A
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A
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C
|
C
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A
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A
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C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630021
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
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A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630029
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630029
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
RATE202630029
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
07/23/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum -
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|