|
Loan Number
|
Seller Loan Number
|
Originator
|
Last Name
|
Note Date
|
Original Balance
|
State
|
TPR QM ATR Status
|
Loan Status
|
Exception Date
|
Remediation Status
|
Exception ID
|
Exception Type
|
Exception Category
|
Exceptions
|
Exception Rebuttal
|
Exception Rebuttal Date
|
Exception Rebuttal Response
|
Exception Rebuttal Response Date
|
Compensating Factors
|
Initial Overall Loan Grade
|
Final Overall Loan Grade
|
Initial Exception Grade
|
Final Exception Grade
|
Initial Credit Grade
|
Final Credit Grade
|
Initial Property Valuation Grade
|
Final Property Valuation Grade
|
Initial Compliance Grade
|
Final Compliance Grade
|
Initial Overall Grade (DBRS/Morningstar)
|
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)
|
Initial Property Valuation Grade (S&P)
|
Initial Compliance Grade (S&P)
|
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)
|
Final Property Grade (Kroll)
|
Final Compliance Grade (Kroll)
|
Final Overall Grade (Moodys)
|
Final Credit Grade (Moodys)
|
Final Property Grade (Moodys)
|
Final Compliance Grade (Moodys)
|
Final Overall Grade (S&P)
|
Final Credit Grade (S&P)
|
Final Property Grade (S&P)
|
Final Compliance Grade (S&P)
|
|
409035560
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
02/12/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Lender used XXX% expense ratio for XXX instead of the fixed expense ratio of XXX% A 3rd Party
Tax Preparer or CPA prepared P&L that covers the same time frame is required
|
Document Uploaded. Documentation received, XXX to review. Documentation received, XXX to review. Document Uploaded. XXX?; ; Document
Uploaded. Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review.;
|
07/01/2026
|
Income and Employment Meet Guidelines. Received CPA LOX Reflecting XXX% expense ratio. Provide CPA prepared P&L that covers the same
time frame as the bank Statements as required per guidelines.CPA letter provided with a XXX% expense ratio. Per guidelines, lowest expense ratio permitted per guidelines is XXX% CPA letter provided with a XXX% expense ratio. Per guidelines,
lowest expense ratio permitted per guidelines is XXX% CPA letter provided with a XXX% expense ratio. Per guidelines, lowest expense ratio permitted per guidelines is XXX%
|
07/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409035560
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
02/11/2026
|
Resolved
|
FPRO1500
|
Property
|
HOA Questionnaire is Missing
|
HOA Questionnaire Missing
|
Document Uploaded. Documentation received, XXX to review.; XXX?; ; Document Uploaded. Documentation received, XXX to review. Document
Uploaded. Documentation received, XXX to review.;
|
07/01/2026
|
Documents showing the condo project has XXX units was provided. Condition resolved.HOA Questionnaire Provided.Provide documentation from the
association indicating the correct XXX within the subject property's condo project.Provide an updated appraisal report that aligns with the XXX questionnaire, as discrepancies exist between the two documents.
|
07/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409035560
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
02/11/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate
|
Documentation received, XXX to review. Document Uploaded.
|
02/17/2026
|
Flood Certificate is fully present
|
02/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409039335
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
02/16/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing HOA dues for XXX XXX
|
Documentation received, XXX to review. Document Uploaded.
|
02/23/2026
|
HOA documentation provided.
|
02/23/2026
|
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
|
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
|
|
|
409039975
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
02/19/2026
|
Rescinded
|
FCRE1197
|
Credit
|
Audited FICO is less than Guideline FICO
|
Audited FICO of XXX is less than Guideline FICO of XXX
|
Document Uploaded. XXX DSCR program allows FICO to XXX for XXX% cash out up to XXX with DSCR >XXX
|
02/23/2026
|
Audited FICO of XXX is greater than or equal to Guideline FICO of XXX
|
02/23/2026
|
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
|
||
|
409040446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/24/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Two business accounts were combined to qualify borrowers. Acct# XXX and Acct# XXX (See LOE on
page XXX). Co-mingling of multiple accounts to generate a full XXX months is not permitted per guidelines.
|
Escalated to DD for review. Verified XXX months each account with corresponding time period provided.Both accounts for the same business,
co-mingles accounts are defined as borrower who does not maintain separate business and personal accounts (ie personal account that co-mingles business activity) Both accounts are full XXX months.
|
04/02/2026
|
Additional information provided. Both accounts were received with XXX months Statements and are business accounts. Finding cleared.
|
04/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409040446
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
02/24/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required business narrative for XXX Expanded Bank Statement Program XXX
|
DD to waive for B Grade. Seller does not have approved variance but does not required per their guidelines. Based on prior reviews fine to
waive for B Grade the requirement for Business Narrative. Comp Factors: XXX FICO XXX mos PITIA reserves XXX% LTVPer XXX guidelines business narrative is not required, please waive condition
|
03/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX% LTV
|
03/10/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409039746
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
02/26/2026
|
Resolved
|
FCRE3472
|
Credit
|
Overdraft/NSF Count Exceeds Tolerance
|
Overdraft/NSF count exceeds tolerance. XXX NSF fees were charged during the past XXX months on the business bank Statements used for income
verification. Underwriter only counted XXX and therefore cleared the NSF's per lender guidelines however XXX shows XXX NSF fees charged not XXX as the lender counted. Will need an underwriter's explanation in file per lender guidelines. Two in
XXX of XXX One in XXX of XXX and one in May of XXX
|
XXX has reviewed documentation provided and concurs with Seller. Please resolve. Thank you!; ; Documentation received, XXX to review.
Document Uploaded. Please see revised documents from today. Is it possible to find out the other NSF in XXX?; ; Document Uploaded. Please see XXX?; ; documentation ; Documentation received, XXX to review.;
|
04/06/2026
|
Resolved per XXX request. Agree with seller regarding chargebacks. XXX to review regarding Chargebacks and NSF> LOE provided regarding
XXX Chargebacks. Per the LOE, a chargeback is initiated by the cardholder as a reversal. These would be counted as NSF per XXX guidelines.
|
04/06/2026
|
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
|
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
|
|
|
409040210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/02/2026
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete Provide executed final application for B1.
|
Document Uploaded.
|
03/20/2026
|
The Final 1003 is Present
|
03/20/2026
|
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
|
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
|
|
|
409040210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/02/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Provide EIN Number, Operating agreement, Articles of Incorporation for XXX
|
Documentation received in XXX review. Document Uploaded.
|
03/20/2026
|
EIN documentation provided
|
03/20/2026
|
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
|
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
|
|
|
409040210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/02/2026
|
Resolved
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide evidence of XXX title coverage.
|
Documentation received in XXX review. Document Uploaded.
|
03/20/2026
|
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX
|
03/20/2026
|
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
|
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
|
|
|
409040210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/03/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Missing lease agreement for subject property. Per XXX DSCR guidelines, property must be leased on XXX transaction.
|
Documentation received in XXX review. Document Uploaded.
|
03/20/2026
|
Lease agreement provided.
|
03/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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|
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409040210
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/02/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. The final application reflects mortgages on XXX at XXX.
Provide XXX months recent mortgage history confirming no more than XXX on all properties with mortgages that are not reporting on the credit report.
|
Documentation received in XXX review. Document Uploaded.
|
03/20/2026
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing; Mortgage Statements provided showing properties in LLC
|
03/20/2026
|
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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409043273
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/18/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Appraisal in file is incomplete. Document is cut off on top and bottom.
|
Documentation received, XXX to review. Document Uploaded.
|
04/10/2026
|
04/10/2026
|
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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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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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
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A
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A
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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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409041563
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/23/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. The appraisal identified chipping exterior paint, a broken fence, and
XXX up garage door, but a cost to cure was not provided.
|
See comments from appraiser - ok to rescind or resolve Document Uploaded. Uploaded response from appraiser. Photo of garage already included
in report... lease refer to pg XXX Thank you Documentation received, XXX to review.Please review - p XXX of report shows access to garage. However, it also indicates possible chipping lead paint, which is a health and safety issue. Report
should be made subject to repair. Document Uploaded. Revised appraisal and updated UCDP reports uploaded. Refer to Pg XXX of the appraisal for comments on the addendum Documentation and comment received, XXX to review.;
|
04/15/2026
|
The issue with the property has been resolved.Client provided Updated Appraisal with Appraiser comments: The appraisal noted some issues or
defects XXX with the property. The chipping exterior paint, a broken fence, and XXX up garage doorhowever, a cost to cure was not provided. XXX ; The exterior chipping paint could be lead based and should be properly scraped and repainted. The
estimated cost to cure is XXX ; The section of the fence that blew over would require a few new posts and XXX work. The estimated cost to cure is XXX ; The XXX up garage door did not indicate a broken door. The reason for the XXX was XXX.
However from the interior of the garage the rear door appeared to be operational. No cost to cure. The minimal total XXX cost to cure (less than XXX% of the opinion of value) was not adjusted for on the sales grid. The overall condition of the
subject (including these noted deferred maintenance items) , as compared to the overall condition of the comparable sales, was adjusted and account for in the condition rating on the adjustment grid. No additional line item adjustment is
warranted. LM Updated.While garage was addressed, comments indicating chipping lead paint, which is a health and safety issue was not.. Report should be made subject to repair.p XXX of report shows access to garage. However, it also indicates
possible chipping lead paint, which is a health and safety issue. Report should be made subject to repair.Appraiser States no safety issue with garage door and was reviewed, however garage door entrance is XXX up and garage door is not
operation so unable to enter. No access to garage is noted or photographed.
|
04/15/2026
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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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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409041563
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/18/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report Missing Seller Fraud Report
|
Documentation received, XXX to review. Document Uploaded. Fraud Report uploaded;
|
03/26/2026
|
Third Party Fraud Report is provided
|
03/26/2026
|
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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C
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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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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409042161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/01/2026
|
Resolved
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited interested party contribution of XXX exceeds closing costs of $XXX. XXX price reduced by XXX for LTV of XXX%.
|
05/27/2026
|
Prepaids of XXX deducted from contributions per FNMA guidance. Finding is resolved. Audited Interested Party Contribution is less than or
equal to Guideline Program Maximum Seller confirms LTV of XXX%. Finding is resolved.
|
05/27/2026
|
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%
|
D
|
B
|
C
|
A
|
D
|
B
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A
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A
|
C
|
B
|
D
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D
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A
|
C
|
D
|
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
|
D
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D
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A
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C
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D
|
D
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A
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C
|
B
|
B
|
A
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B
|
B
|
B
|
A
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B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
||
|
409042161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/18/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements XXX Statement #XXX ending XX/XX/XXXX is missing pages XXX and XXX of XXX
|
Document Uploaded. Documentation and comment received, XXX to review.Pages XXX-XXX of the XXX XXX/XXX bank Statement are on pages XXX - XXX
of the loan delivery file. Please waive this conditions as it is invalid
|
03/30/2026
|
Asset Record XXX Meets G/L Requirements Or XXX.Missing pages provided.
|
05/27/2026
|
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%
|
D
|
B
|
C
|
A
|
D
|
B
|
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
|
B
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A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409042161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/18/2026
|
Waived
|
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 XX/XX/XXXX. The policy period begins XX/XX/XXXX but the
Disbursement Date per the Closing Disclosure is XX/XX/XXXX.
|
Please waive for Grade B- XXX primary Score XX/XX/XXXX months reserves DTI XXX% Well maintained home. Currently rents- FTHB. Document
Uploaded. Documentation received, XXX to review.; Would you accept a no loss letter for the insurance effective date discrepancy
|
05/05/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Score XX/XX/XXXX
months reserves DTI XXX% Well maintained home. Currently rents- FTHB.
|
05/05/2026
|
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%
|
D
|
B
|
C
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409042161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/19/2026
|
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 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 Home Warranty Fee increase added to the Final CD dated XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
04/06/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
04/06/2026
|
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%
|
D
|
B
|
C
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409042161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/20/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required business narrative for the XXX Expanded bank Statement program v XX/XX/XXXX
|
Please waive for Grade B (XXX guides) - Comp factors- DTI XXX FICO XXX years credit depth./;
|
03/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DTI XXX FICO XXX
years credit depth.
|
03/25/2026
|
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%
|
D
|
B
|
D
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409040539
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/19/2026
|
Resolved
|
FCRE0360
|
Credit
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Missing VOM for XXX
|
05/01/2026
|
Property details show that these properties are in the name of a business entity, not the borrower. VOM is not required in this instance.
Finding is resolved.
|
05/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409040539
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/19/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage Per XXX DSCR v13 guidelines, All loans require rent loss insurance covering a minimum of XXX months for
the subject property for the greater of in place or market rent during disruption.
|
Document Uploaded. DD to waive for B Grade. Exception Approval XXX. XXX to review for exception Documentation received, XXX to review.; XXX
does not require rent loss insurance coverage, please waive;
|
05/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XX/XX/XXXX DSCR; XXX
FICO ; No Mortgage Lates in last XXX monthsReserves will cover over XXX months of rents (CO Proceeds) XXX to review for exception on rent loss insurance.
|
05/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409040539
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/19/2026
|
Waived
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is XXX Present. Per XXX DSCR v13 guidelines, Credit report - No more than XXX days from the note date
|
Document Uploaded. DD to waive for B Grade. Exception Approval XXX. XXX to review for Exception Request for over XXX days but within XXX
days Documentation and comment received, XXX to review. Document Uploaded. Please review this based off of XXX guidelines as we allow credit report up to XXX days;
|
05/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose XX/XX/XXXX DSCR; XXX
FICO ; No Mortgage Lates in last XXX monthsReserves will cover over XXX months of rents (CO Proceeds) XXX XXX DSCR guidelines require credit report No more than XXX DAYS from the note date.
|
05/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409043118
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/26/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Lender did not provide ATR/QM Status Determination.
|
Documentation received, XXX to review. Document Uploaded.
|
04/01/2026
|
Compliance report provided
|
04/01/2026
|
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.
|
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
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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
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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
|
|
|
409046770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/24/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
03/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
|||
|
409046770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/24/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
03/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV 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 XXX% is less than Guideline CLTV 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
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A
|
A
|
|||
|
409046770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
03/24/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
03/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
A
|
A
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A
|
A
|
|||
|
409043698
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
03/26/2026
|
Resolved
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required LLC vesting docs for XXX DSCR Program v13: XXX Operating agreement XXX Articles of Organization XXX SS-XXX EIN verification
XXX Current certificate of Good standing XXX Executed W-XXX for XXX.
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review.;
|
06/29/2026
|
Documentation provided is sufficient. Exception resolved.Received W-XXX and pages XXX-XXX of the Articles of Organization. Provide pages
XX/XX/XXXX of the Articles of Organization, the Operating Agreement and EIN documentation. Certificate of good standing provided. Missing EIN documentation and Articles of Organization to verify ownership percentages for LLC. Provide a copy of
the Articles of Organization to confirm ownership, along with a copy of the EIN document and a Certificate of Good Standing/dated active business search.
|
06/29/2026
|
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
|
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
|
|
|
409045319
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/03/2026
|
Resolved
|
FCRE1241
|
Credit
|
XXX Contract is Missing
|
XXX is XXX but XXX Contract Doc is Missing
|
04/06/2026
|
XXX Contract Doc is not Missing, or is XXX.
|
04/06/2026
|
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
|
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
|
||
|
409046918
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/02/2026
|
Resolved
|
FCRE4104
|
Credit
|
Missing explanation and supporting documentation for large deposit(s)
|
Provide LOE and supporting documentation for large deposit reflected on XXX Statement ending XXX in the amount of XXX which is greater than
XXX% of borrower income $XXX.
|
Document Uploaded. Documentation received, XXX to review.
|
06/09/2026
|
Sufficient documentation provided. Condition resolved.
|
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%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409046918
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/03/2026
|
Resolved
|
finding-4040
|
Compliance
|
Qualified Mortgage APR Threshold Test
|
This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e) (2) (vi) ) A qualified mortgage is a covered transaction
which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date
the rate was set plus XXX% orThe note amount for a first lien on a manufactured home is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%
orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus
XXX% orThe note amount for a second lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX% orThe note amount on a first
lien a non-manufactured home or a second lien is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%. HPML related exception. Guidelines
allow Non-QM for rate spread. Finding is provided for information only.
|
06/09/2026
|
Provided for information only.
|
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%
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409046918
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/02/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Provide XXX and signed XXX Business Narrative, not contained in loan file.
|
Please waive for B grade. XXX Granted exception. COMP FACTORS: • DTI >XXX% below max allowed • Excellent residual income >$XXX above
required • FICO = XXX points above min required Documentation received in XXX review. Document Uploaded.
|
06/09/2026
|
Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DTI >XXX% below
max allowed • Excellent residual income >$XXX above required • FICO = XXX points above minimum required.
|
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%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409044035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/02/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% XXX DSCR guidelines only allow
XXX% Interested Party Contributions or XXX Seller Credit on Final CD is XXX which is XXX over allowable Interested Party Contribution per guidelines. Lender exception granted for XXX% Seller Credit. Approved exception in file, but no
compensating factors are noted on the request form or the approval.
|
Exception was approved for this, please waive- Loan amount < max by $XXX FICO XXX points higher than min; reserves exceed min by XXX
mos.;
|
04/10/2026
|
Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose:
Loan amount < max by $XXX FICO XXX points higher than min; reserves exceed min by XXX mos.Please provide compensating factors.
|
04/10/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409044035
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/03/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing Executed W-XXX for LLC as required per XXX DSCR guidelines.
|
Document Uploaded. uploaded signed by b1 and b2 Documentation received, XXX to review.
|
04/10/2026
|
W-XXX received
|
04/10/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050154
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/07/2026
|
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
|
|||
|
409050154
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
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
|
|||
|
409050154
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
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
|
|||
|
409050156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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
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|||
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409050156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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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|||
|
409050156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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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|||
|
409050181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/07/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. XXX.
|
Unable to Resolve-seller accepts no change to grading.
|
04/08/2026
|
Confirmed : Unable to Resolve-seller accepts no change to grading.
|
04/08/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
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
|
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
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409050181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/07/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/08/2026
|
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 LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
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
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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
|
|||
|
409050208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/08/2026
|
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 LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409050208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/08/2026
|
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 LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
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
|
A
|
A
|
A
|
A
|
|||
|
409043120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. VOR must be obtained if the borrower has a rental history in
the most recent XXX months. There is no proof in file the landlord is a party to the transaction or relative of the borrower to justify bank Statements to satisfy rent history. Even if using the payment history provided of XXX transactions,
there is nothing that proves this is a rental payment like a copy of the lease agreement. Please provide a VOR or copy of the lease showing the address and payment terms.
|
Documentation received, XXX to review. Document Uploaded.
|
06/09/2026
|
Lease document provided that confirms landlord name and amount of rent. Condition cleared.Verification of Rent (VOR) /Verification of
Mortgage (VOM) Document is not Missing
|
06/09/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|
|
409043120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/08/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The CDA value was indeterminate due to the appraised value does
not support the condition of the subject by using XXX remodeled/updated C3 comparables and not showing or supplying a unit in the same/close to condition as the subject property. The subject is noted as being in C4 and fair condition with
comparables as C3. The OA States in the appraisal there were no active listings in the buildinghowever, there is an active listing in the subject's building for $XXX on XX/XX/XXXX. The OA did not provide a comparable with an inferior
view/condition/lack of garage and has not bracketed these issues. After reviewing the OA and the comprables utilized and the available HDI comparables provided, the missing or lack of commentary supporting adjustments, the RA could not come to
a credible value conclusion based on the information available. The value is not supported by the CDA.
|
Document Uploaded. Documentation received in XXX review. Document Uploaded. Due to the CDA being indeterminate, a desk review was ordered.
The desk review is Uploaded. ; ; ; Documentation and comment received, XXX to review.;
|
05/13/2026
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Received the field review, however there is a variance of XXX%
which is outside the XXX% permitted. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Received the field review, however there is a variance of XXX% which is outside the XXX% permitted. Third Party Valuation Product
Not Provided or Not Provided Within Tolerance. XXX. Confirmed with XXX that guideline requirements are met with the original appraisal value of XXX ; The CDA with indeterminate value and risk, and the field review value of XXX In this instance,
the lower value of XXX may be used for the qualifying value, regardless of the variance. Finding is resolved. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Received the field review, however there is a variance of
XXX% which is outside the XXX% permitted. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Received the field review, however there is a variance of XXX% which is outside the XXX% permitted. Third Party Valuation
Product Not Provided or Not Provided Within Tolerance. Received the field review, however there is a variance of XXX% which is outside the XXX% permitted. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX.Third
Party Valuation Product Not Provided or Not Provided Within Tolerance. Received the field review, however there is a variance of XXX% which is outside the XXX% permitted. Third Party Valuation Product Not Provided or Not Provided Within
Tolerance. Received the field review, however there is a variance of XXX% which is outside the XXX% permitted. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX.
|
06/09/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|
|
409043120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/09/2026
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Please provide proof that the Affiliated Business Disclosure was provided prior to closing
or provide confirmation that the lender has no affiliates.
|
Documentation received, XXX to review. Document Uploaded.
|
04/27/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|
|
409043414
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409042095
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE1158
|
Credit
|
Hazard Insurance Policy is XXX
|
Hazard Insurance Policy XXX Provided Missing Renewal for homeowners insurance. Per guidelines, if current policy expires less than XXX
months from note date, renewal is required. Current policy expires XX/XX/XXXX
|
Documentation received, XXX to review. Document Uploaded. Renewal uploaded for review;
|
06/25/2026
|
Documentation is sufficient. Updated policy provided. Exception resolved.Hazard Insurance Policy is fully present.
|
06/25/2026
|
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
|
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
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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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|
|
409050150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/15/2026
|
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% | 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
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A
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A
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A
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|||
|
409050150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/15/2026
|
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% | 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
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A
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|||
|
409050150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/15/2026
|
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% | 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
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|||
|
409050155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/15/2026
|
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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409050155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/15/2026
|
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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409050155
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/15/2026
|
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
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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
|
|||
|
409050178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/15/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409050178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/15/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409050178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/15/2026
|
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
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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
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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
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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
|
|||
|
409050191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409050191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409050191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409050202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX
business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation This loan failed the revised loan estimate
delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First
Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on
or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1)
(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
|
Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on
XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
|
04/16/2026
|
Revised LE receipt date provided exception resolved revised LE receipt date provided exception resolved
|
04/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
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
|
|
|
409050202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/15/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close
|
Seller acknowledges exception, no change to grading.
|
04/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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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B
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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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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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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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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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|||
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409050202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/15/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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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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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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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|||
|
409050202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/15/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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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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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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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|||
|
409050214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/16/2026
|
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 interest only payments look to be
calculated at XXX monthly, however, the final CD reflects a payment of $XXX. Please provide additional details how the XXX payment was calculated.
|
Please be advised payment calculation is $XXX/XXX= $XXX.
|
04/17/2026
|
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.Finance charged correctly calculated based on lenders disclosed payment on noteThis 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
|
04/21/2026
|
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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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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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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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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|
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409050214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
finding-3732
|
Compliance
|
TRID Total of Payments Test
|
This loan failed the TRID total of payments test. (12 CFR §XXX(o) (XXX) he total of payments is $XXX. The disclosed total of payments of XXX
is not considered accurate because it is underStated by more than XXX and the provided reimbursement amount of XXX is not sufficient to cure the inaccuracy. 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 interest only payments look to be calculated at XXX monthly, however, the final CD reflects a payment of $XXX. Please provide additional details how the XXX payment was calculated.
|
Please be advised payment calculation is $XXX/XXX= $XXX.
|
04/17/2026
|
This loan failed the TRID total of payments test. (12 CFR §XXX(o) (XXX) he total of payments is $XXX. The disclosed total of payments of XXX
is not considered accurate because it is underStated by more than XXX and the provided reimbursement amount of XXX is not sufficient to cure the inaccuracy.This loan failed the TRID total of payments test. (12 CFR §XXX(o) (XXX) he total of
payments is $XXX. The disclosed total of payments of XXX is not considered accurate because it is underStated by more than XXX and the provided reimbursement amount of XXX is not sufficient to cure the inaccuracy.Finance charged correctly
calculated based on lenders disclosed payment on note
|
04/21/2026
|
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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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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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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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
|
|
|
409050214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/16/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. XXX
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/17/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
04/17/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
B
|
B
|
A
|
A
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A
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A
|
C
|
B
|
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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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
|
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
|
|
|
409050214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
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A
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A
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A
|
C
|
B
|
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
|
A
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A
|
C
|
B
|
A
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A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/14/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/16/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
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
|
A
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A
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C
|
B
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/14/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Final title needs to be updated to match loan amount of final CD
XXX
|
Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
04/17/2026
|
Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
04/17/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/16/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409050233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/16/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/16/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409050152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCOM1284
|
Compliance
|
XXX F2 Notice for Home Equity Disclosure Not Provided Within 3 Days of Application Date or XXX Days of Closing Date
|
7 Tex. Admin. Code §153.45 50(f) (2) (d) - XXX F2 Notice for Non-Home Equity Disclosure not provided within XXX-days of application date.
The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX. Documentation required to clear exception: Please provide proof that the XXX F2 Notice for Non-Home Equity Disclosure was provided within XXX-days of application
date. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX. Documentation required to clear exception: Please provide proof that the XXX F2 Notice for Non-Home Equity Disclosure not provided within XXX-days of
application date. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX.
|
XXX does have a different definition than trid because TRID did not exist when the XXX constitution was drafted. "Application" per XXX
timing regulation refers to the 1003 application date not the TRID application date which again did not exist when it was drafted. Please clear this exception or specify where in the XXX constitution or 50a6 it specifies an application date
other than the 1003. XXX constitution predates TRID and does not recognize the same application date. The application was signed on XX/XX/XXXX which is the date used for this document timing testing. Please cance this exception.
|
04/28/2026
|
7 Tex. Admin. Code §153.45 50(f) (2) (d) - XXX F2 Notice for Non-Home Equity Disclosure was provided within XXX-days of application date or
XXX?; ; Document Uploaded. Email communication with the client XXXUnder §XXX(f) (XXX) (d) , to meet the condition in Section XXX(f) (XXX) (D) , the lender must provide the XXX disclosure described in Section XXX(f) (XXX) (D) to the XXX on a
separate document not later than the third business day after the date the XXX submits the loan application to the lender. The date the application was submitted to the lender, initiating the loan origination and disclosure process, is
XX/XX/XXXX. The definition under Regulation X, XXX also identifies an application as the submission of a borrower's financial information in anticipation of a credit decision, which includes name, income, social security number, address,
estimated value, and loan amount. XXX does not have a different definition of application date than required under TRID, an F2 is required to be provided within XXX days of the application date 7 Tex. Admin. Code §153.45 50(f) (2) (d) - XXX F2
Notice for Non-Home Equity Disclosure not provided within XXX-days of application date. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX. Documentation required to clear exception: Please provide proof that the XXX
F2 Notice for Non-Home Equity Disclosure was provided within XXX-days of application date. The disclosure was dated XX/XX/XXXX and the application was dated XX/XX/XXXX.
|
05/12/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|
|
409050152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
A
|
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
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|||
|
409050152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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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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
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|||
|
409050153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409050153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409050153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
A
|
A
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A
|
A
|
A
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A
|
A
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A
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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
|
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
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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
|
|||
|
409050222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
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
|
|||
|
409050222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
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
|
|||
|
409050222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
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
|
|||
|
409050237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/21/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130 Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, or Valid COC. The lender
credit tolerance violation in the amount of XXX is due to decrease in Lender Credit (itemized fee for Appraisal Review Fee) from XXX to $XXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan
contains charges that exceed the good faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits
($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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. Please see uploaded documents, PCCD and cure check for the Stated tolerance violation.
|
04/28/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
05/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
|
|
409050237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/21/2026
|
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 zero tolerance violation in the amount of XXX is due to the addition of the Appraisal Review fee on the final CD. 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 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. Please see XXX, CIC information regarding the addition of the aprpaisal review fee. Document Uploaded. Documents now
uploaded. Document Uploaded. Please see uploaded documents, PCCD and cure check for the Stated tolerance violation.
|
05/05/2026
|
Valid COC provided exception resolved Valid COC provided exception resolved. Cure already provided was used for the lender credit violation,
the addition of the appraisal review fee did not have a valid COC in file, it appears the re-disclosure history was cut off for anything prior to XX/XX/XXXX No documents are XXX, please re-send.
|
05/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
C
|
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
|
|
|
409050237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
|||
|
409050237
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
|||
|
409050240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE1467
|
Credit
|
Asset 1 Missing
|
Asset 1 Missing. missing final CD from sale of current REO
|
Document Uploaded. Please see the XXX non subject alta.
|
04/24/2026
|
Documentation is sufficient. Settlement Statement provided. Exception resolved.Asset 1 Provided
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|
|
409050240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Acknowledged
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
04/24/2026
|
Acknowledged as 2/B grading per client request
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
B
|
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
|
|
|
409050240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Acknowledged
|
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 consumer signed the XXX day appraisal delivery waiver, but there is no evidence a copy of the appraisal was provided at closing. Provide documentation to show the date the borrower received the
appraisal to confirm it was received by the borrower timely.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
04/24/2026
|
Acknowledged as 2/B grading per client request
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
B
|
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
|
|
|
409050240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
finding-3532
|
Compliance
|
Initial Closing Disclosure Delivery Date Test
|
Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior
to the consummation date, XX/XX/XXXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. 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.
|
Document Uploaded. Please see the XXX screenshot from the LOS confirming the CD was acknowledged by the borrower on XX/XX/XXXX.
|
04/24/2026
|
Initial CD receipt date provided exception resolved Initial CD receipt date provided exception resolved
|
04/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
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
|
|
|
409050240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX
business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. This loan failed the revised loan estimate
delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First
Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on
or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1)
(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
|
Document Uploaded. Please see the XXX screenshot confirming the LE was acknowledged on XX/XX/XXXX.
|
04/24/2026
|
revised LE receipt date provided exception resolved revised LE receipt date provided exception resolved
|
04/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
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
|
|
|
409050240
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|||
|
409050289
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Per the final CD, the seller
credits show in the amount of $XXX.
|
Please review the CD addendum below which is the most recent version prior to closing. It reflects total seller paid fees of $XXX. The total
credit is not presented as a lump sum because the seller agreed to pay these fees directly. Page XXX of the final Closing Disclosure shows a general seller credit of XXX This amount is calculated by subtracting XXX applied to the “Owner’s Title
Policy - Seller Paid” on the CD addendum from the $XXX. This adjustment is standard practice, as the Owner’s Title Policy is typically paid by the seller.
|
04/24/2026
|
Audit updated IPC percentage to XXX% per FNMA. Audited Interested Party Contribution is less than or equal to Guideline Program Maximum
|
04/27/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409050289
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409050289
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409050253
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|||
|
409050253
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|||
|
409050253
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/22/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|||
|
409050254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
finding-2962
|
Compliance
|
XXX AB 260 Higher-Priced Mortgage Loan Test
|
This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a) ) Using the greater
of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain
disclosure requirements and additional limitations, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and
appraisal requirements met.
|
Informational
|
04/22/2026
|
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
|
|||
|
409050254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
finding-3352
|
Compliance
|
Higher-Priced Mortgage Loan Test
|
This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated
APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some
lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met.
|
Informational
|
04/22/2026
|
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
|
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
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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
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A
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A
|
A
|
|||
|
409050254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/22/2026
|
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
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A
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A
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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
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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
|
|||
|
409050254
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
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
|
|||
|
409050268
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCRE1328
|
Credit
|
Borrower 1 W2/1099 Missing
|
Borrower 1 W2/1099 Missing.
|
Document Uploaded. Please see the XXX W2.
|
04/24/2026
|
Borrower 1 W2/XXX Provided XXX W2 provided.
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
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
|
|
|
409050268
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Acknowledged
|
FCOM1266
|
Compliance
|
Homeownership Counseling Disclosure Is Missing
|
Homeownership Counseling Disclosure Is Missing Showing evidence that the borrower received the disclosure within XXX business days of
application, XX/XX/XXXX, may cure the violation.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.Document Uploaded. Please see the loan disclosure summary confirming
this was disclosed to the borrower on XX/XX/XXXX.
|
04/27/2026
|
Acknowledged as 2/B grading per client request The file did not contain a copy of the document to confirm it was compliantprovide a copy of
the HOC
|
04/27/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
B
|
B
|
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
|
|
|
409050268
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/26/2026
|
Rescinded
|
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 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). 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 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). COC in file exception resolved COC in file exception resolved
|
04/26/2026
|
D
|
B
|
C
|
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
|
|||||
|
409050268
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/21/2026
|
Resolved
|
FCOM4656
|
Compliance
|
TRID: Initial Loan Estimate not provided within XXX days of application.
|
Documentation required: Provide Initial LE issued XX/XX/XXXX for testing.
|
Document Uploaded. Please see the XXX XX/XX/XXXX LE.
|
04/24/2026
|
LE dated XX/XX/XXXX provided exception resolved
|
04/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
B
|
C
|
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
|
|
|
409050268
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/22/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
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
|
|||
|
409050167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
Acknowledged
|
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 borrower signed the XXX day appraisal delivery waiver, but there is no evidence of copy of the appraisal was provided at closing. Provide documentation to show the date the borrower received the
appraisal to confirm it was received by the borrower timely.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
05/05/2026
|
Confirmed Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/05/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409050167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/23/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/27/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050167
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/23/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/27/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/27/2026
|
Cured
|
FCOM6928
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate
|
Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined
the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery.
|
Document Uploaded. Apologies, please see the XXX LOE that was provided with the PCCD.Document Uploaded. Please see the XXX corrected CD
mailed to the borrower.
|
05/21/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package was missing a copy of the LOE, will downgrade upon receipt
of the LOE
|
05/22/2026
|
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
|
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
|
|
|
409050199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FCOM1208
|
Credit
|
The Note is Incomplete
|
The Note is Incomplete The notes indicate no IO; however, as per the Final 1003 and Final CD, the loan is interest-only. After updating per
the Final 1003 and Final CD, the P&I matches the note.
|
Document Uploaded. Please see the XXX corrected Note.
|
05/20/2026
|
The Note is Present
|
05/21/2026
|
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
|
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
|
|
|
409050199
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/27/2026
|
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
|
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
|
|||
|
409050234
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/27/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409050234
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/27/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409050234
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
04/27/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409050247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/24/2026
|
Acknowledged
|
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. Executed appraisal waiver in
file. Provide evidence the appraisal was received prior to or on the day of close.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/05/2026
|
Confirmed : Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/05/2026
|
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%
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409050247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
04/27/2026
|
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%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409050247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/24/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
04/27/2026
|
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%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409047569
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/27/2026
|
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 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. Documentation received in XXX review. Document Uploaded. The appraisal was resubmitted to us after we approved the loan
and it was reviewed and determined that a CDA was needed by underwriting on XX/XX/XXXX when it was ordered. The invoice did not come in until XX/XX/XXXX an that is when the change of circumstance was done by the branch.Document Uploaded.
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review.;
|
06/29/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B The PCCD provided shows a cure however the remaining cure package was
missing. LOE, copy of check and proof of delivery required The clock begins on XX/XX/XXXX, the initial CD was issued XX/XX/XXXX and did not include the fee for the CDA. Revised CD was issued XX/XX/XXXX and included the fee for the CDA but is
more than XXX days after XX/XX/XXXX and still not delivered timely. A charge or estimate of a charge using the best information available at the time should be disclosed within three business days of the creditor’s determination that additional
services will be needed, if the creditor has a reasonable basis to conclude that the borrower will incur charges for such services, as that is when the timing requirement has commenced. We have confirmed with outside counsel that the
“reasonably available” standard (XXX(e) (XXX) (iv) -XXX, XXX(c) (XXX) (i) -XXX) requires a creditor, acting in good faith, to obtain the information necessary to deliver disclosures timely and in accordance with sections XXX(e) (XXX) -(XXX)
without a disclosure to the consumer reflecting the charge or estimate of the charge, the timing component under outlined under XXX(e) (XXX) (i) is violated. Further, a creditor cannot maintain that until they receive the fee amount for such
services, they do not have knowledge sufficient to establish a reason for revision applies. Where the required information is not available, the standard expressly permits the use of estimates in order to ensure the creditor delivers timely
disclosures, communicates accurate information to the consumer, and complies with applicable timing and good‑faith requirements under this section. If the creditor has sufficient information to confirm that a service will be required and should
have been able to disclose an estimated fee, but did not, that would not be in good faith for tolerance determination purposes. Updated status to Open per XXX LAS requirements. Provide the date the lender determined an appraisal review was
required, the appraisal was received by the lender on XX/XX/XXXXAppraisal review fee was added to CD XX/XX/XXXX, however UDCP shows appraisal was reviewed XX/XX/XXXX. Redisclosure was more than XXX days after review and was therefore not
disclosed timely. Cure required. 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 Desk Review Fee added to the CD dated XX/XX/XXXX.
|
06/29/2026
|
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
|
||
|
409047569
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/29/2026
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Documentation received, XXX to review. Document Uploaded.
|
05/15/2026
|
Evidence of appraisal delivery provided.
|
05/15/2026
|
C
|
B
|
B
|
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
|
||
|
409044380
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/30/2026
|
Waived
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. The subject property is a SFR with XXX ADUs.
|
Comp factors- XXX FICO , over XXX months of reserves, Experienced XXX, low LTV; Document Uploaded. Exception was approved- see XXX;
|
05/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO , over XXX
months of reserves, Experienced XXX, low LTV.Received Approved exception. Require XXX compensating factors. Borrower receives rental income from an ADU from subject investment property which is not allowed per XXX guidelines. A Lender exception
in the loan file shows that this was declined.
|
05/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409044380
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/28/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Missing an established escrow account for taxes and insurance as required per XXX Expanded DSCR XXX guidelines.
|
XXX FICO , over XXX months of reserves, Experienced XXX, low LTV; Exception approved for escrow waiver- already priced. XXX FICO , over XXX
months of reserves, Experienced XXX, low LTV; Exception approved for escrow waiver- already priced.
|
05/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO , over XXX
months of reserves, Experienced XXX, low LTV. Provide approved exception with XXX compensating factors.
|
05/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409044380
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/29/2026
|
Rescinded
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Borrower receives rental income from an ADU from subject investment property which is not allowed per XXX guidelines. A Lender exception was
approved for this with no compensating factors listed.
|
05/04/2026
|
Duplicate finding.
|
05/04/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|||
|
409050616
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
04/29/2026
|
Waived
|
FCRE2008
|
Credit
|
Rent Loss Coverage Not Sufficient
|
The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No,
indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Rent loss insurance does not cover the XXX months of rental income as required by the XXX DSCR guidelines. Six
months is XXX and coverage on HOI is only XXX
|
Document Uploaded. DD to waive for B Grade. Exception Approved. Comp Factors: Excess reserves over XXX months PITIA required would cover
shortage of rent loss coverage of XXX in excess of XXX mos PITIA reserves required of XXX having XXX excess reverse over requirement post close XXX FICO XXX DSCR.Please advise if unable to cure. XXX may review for exception. Please note maybe
impact to pricing.;
|
06/26/2026
|
Risk accepted and waived. B grade risk accepted by XXX. Comp Factors: Excess reserves over XXX months PITIA required would cover shortage of
rent loss coverage of XXX in excess of XXX mos PITIA reserves required of XXX having XXX excess reverse over requirement post close XXX FICO XXX DSCR.
|
06/26/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050616
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/03/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required Executed W-XXX for LLC.
|
Document Uploaded. DD to waive for B Grade. Reviewed with XXX Management and XXX Compliance. Fine to proceed with IRS Validation of EIN in
place of W-XXX. Comp Factors: EIN Letter From IRS Documented XXX FICO XXX mos PITIA reserves XXX DSCR; XXX entered exception request for review. Pending response from XXX compliance if exception can be entertained. DD to reopen finding pending
review. Documentation received, XXX to review. Document Uploaded.
|
05/21/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX DSCR Per the note, the borrowing entity is listed as a borrower, therefore an executed W-XXX for the LLC including the EIN number must be executed and documented in the loan file. Seller requesting XXX to review for exception
per the LOE in file.Per the note, the borrowing entity is listed as a borrower, therefore an executed W-XXX for the LLC including the EIN number must be executed and documented in the loan file. Seller requesting XXX to review for exception per
the LOE in file.
|
05/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/04/2026
|
Waived
|
FCRE8981
|
Credit
|
Purpose does not meet eligibility requirement(s)
|
The subject property was listed for sale from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX
to XX/XX/XXXX with an application date of XX/XX/XXXX. XXX Expanded XXX guidelines State properties listed for sale within six XXX months of the application date are not acceptable for XXX transactions and XXX are not eligible if the property
was listed for sale within twelve XXX months of the application date. The borrower received XXX in cash at closing.
|
XXX: DD to waive for B Grade. Exception XXX. Comp Factors: Expense Factor Used over XXX%; Property taken off market prior to application
Subject property is only property owned by borrowerNo Mortgage Lates XXX% LTV XXX% DTI XXX FICO XXX per monthnth residual income; ; Verified meets HB Guidelines - XXX to review exception. DD to reopen pending review.; Loan UW to HB guides.
Request to rereview per HB Access Guidelines
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: No Mortgage Lates
XXX% LTV XXX% DTI XXX FICO XXX per monthnth residual income; ; Verified meets HB Guidelines - XXX to review exception. DD to reopen pending review.
|
06/25/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/30/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines XXX ender used a XXX% expense factor for borrower business bank Statement income. Per XXX
Expanded program guidelines expense factor can never be less than XXX%
|
Document Uploaded. DD to waive for B Grade. Exception Approved. Comp Factors: Expense Factor Used over XXX%; Property taken off market prior
to application Subject property is only property owned by borrowerNo Mortgage Lates XXX% LTV XXX% DTI XXX FICO XXX per monthnth residual income; ; Verified meets HB Guidelines - XXX to review exception. DD to reopen pending review.; Loan UW to
HB Access Guideline which allow for CPA letter providing expense factor. Loan UW accordingly.
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Expense Factor Used
over XXX%; Property taken off market prior to application Subject property is only property owned by borrowerNo Mortgage Lates XXX% LTV XXX% DTI XXX FICO XXX per monthnth residual income.Verified meets HB Guidelines - XXX to review exception.
DD to reopen pending review.
|
06/25/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/30/2026
|
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
Disclosure Tracking Summary on page XXX All testing was completed using CD XX/XX/XXXX. Please provide final CD for additional testing.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to reviewDocument Uploaded.
|
06/23/2026
|
TRID: Final Closing Disclosure Provided.The CD provided is not a complete CD, the loan calculations section of page XXX is incomplete
|
06/23/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
04/30/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing business narrative.
|
XXX: DD to waive for B Grade. Seller Guidelines do not require business narrative. Comp Factors: XXX% DTI XXX FICO XXX mos PITIA reserves
XXX% LTV; Documentation received, XXX to review. Document Uploaded.
|
06/17/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI XXX FICO
XXX mos PITIA reserves XXX% LTV.Client provided CPA Letter Reflecting XXX% Ownership, Incorporated in May XXX and a XXX% Expense Ratio. XXX Expanded Eligibility Guides XXX Alternative Income Documentation Requirements - XXX also requires for
all files, a Business Narrative for this Bank Statement Program. This assists the underwriter to review the reasonableness of the expenses by the borrower. The business narrative should include details related to the size/scope of business,
including: Detailed explanation of the business/business profile Where is business located and any XXX obligations (iemortgages/rent) Number of employees, full time/part time or XXX Does business involve sales of goods or just services? If
goods, provide estimated costs of goods and types of goods sold. Any large trucks or materials or equipment Any other details that would assist in the analysis of business to tie to expenses.
|
06/17/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049743
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/06/2026
|
Rescinded
|
FCOM1208
|
Credit
|
The Note is Incomplete
|
The Note is Incomplete Missing prepayment penalty addendum to the note. Lock confirms loan was locked with a XXX month prepay penalty,
|
Document Uploaded. Please rescind. This was in the original upload package;
|
06/24/2026
|
Client States: Document Uploaded. Please rescind. This was in the original upload package. Verified doc was provided.
|
06/24/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409049743
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/05/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Required Business EIN is missing from the loan file.
|
Please waive for B Grade. Meets seller guidelines being accepted by XXX Comp factors: FICO XXX; DSCR >XXXxcellent reserves Please review
W9 provided by SellerDocument Uploaded. Documentation received in XXX review. Document Uploaded. Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review.
|
06/24/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR
>XXXxcellent reserves Received the W-XXX again. Provide the IRS notice of the EIN assignment to the LLC to clear this exception. Received the W-XXX with an EIN. Provide IRS/Govt document to verify the EIN for the LLC.Received W-XXX without
an EIN. Provide IRS/Govt document to verify the EIN for the LLC and a W-XXX for the LLC with the EIN number disclosed. Received a W-XXX with the borrower's SSN. Provide the EIN for XXX.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051881
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051881
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051881
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051882
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|||
|
409051882
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|||
|
409051882
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline
minimum FICO of XXX
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A
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409051884
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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409051884
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409051884
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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409051885
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery.
The file is missing a valid COC and evidence of Revised CD receipts to support the reduction of the Lender Credits: Lender credit of XXX was reduced to XXX with the XX/XX/XXXX CD. The lender credit was then reduced again with the final CD dated
XX/XX/XXXX to $XXX. The file does not contain a valid COC for the reduction of this credit or evidence of revised CD receipt dates.
|
Document Uploaded. Please see the cure redisclosure pkg XXX ; The lender credit was a tolerance cure which was removed when the total fee
for the recording fees was lowered. Please review the re-disclosure history form as there was a valid change in circumstance on XX/XX/XXXX that affected the lender credits reducing them to XXX ; There was a XXX lender credit applied to the
recording fees which increased to XXX on the final CD.
|
06/03/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. The fee was listed as a specific lender credit
therefore it is subject tolerances. The CFPB has established that lender credits are a negative charge to the consumer and a decrease in credit is considered an increased charge to the consumer for good faith determination purposes. The amounts
originally disclosed on the Loan Estimate under XXX(e) (XXX) (i) are referenced in SFA scope and the regulation for good faith determination, however, creditors may use revised estimates under XXX(e) (XXX) (i) and XXX(f) (XXX) (i) , including
corrected disclosures provided under XXX(f) (XXX) (i) or (ii) to reflect the revised estimate and determine good faith under XXX(e) (XXX). Revised disclosures, including Closing Disclosures governed by XXX are therefore subject to the good
faith requirements described in XXX(e) (XXX) , and baseline testing considers the revised disclosures accordingly. If the sum total amount of general and specific lender credits has been reduced, a permissible reason must be provided to
reestablish the baseline. This approach is consistent with the CFPB’s TILA-RESPA Integrated Disclosure Rule FAQs stating that lender credits may decrease for one or more of the reasons listed in XXX C. § XXX(e) (XXX) (iv) , provided that a
revised disclosure reflecting the change is timely delivered. See 12 CFR §.1026.19(e) (3) (iv) (A) -(F) see also Preamble to the TILA-RESPA Integrated Disclosure Rule, XXX Fed. Reg. XXX (Dec. XXX). Applied XX/XX/XXXX and corrected refund amount
to $XXX. Lender paid mortgage recording fee went from XXX to XXX on CD XX/XX/XXXX down to XXX on Final CD requiring COC or cure package for $XXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan
contains charges that exceed the good faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits
($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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).
|
06/03/2026
|
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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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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C
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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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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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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
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A
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A
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B
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|
|
409051885
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
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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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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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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|||
|
409051885
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
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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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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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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|||
|
409051886
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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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|||
|
409051886
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
|
|||
|
409051886
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
|
|||
|
409051887
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051887
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051887
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
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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
|
|||
|
409051889
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV of XXX%
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A
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409051889
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV 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 XXX% is less than
Guideline CLTV of XXX%
|
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409051889
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV of XXX%
|
A
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409051891
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
finding-3352
|
Compliance
|
Higher-Priced Mortgage Loan Test
|
This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated
APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some
lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A.
|
Informational
|
05/07/2026
|
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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409051891
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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409051891
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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|||
|
409051892
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/08/2026
|
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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|||
|
409051892
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/08/2026
|
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
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A
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A
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A
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A
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A
|
|||
|
409051892
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/08/2026
|
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
|
|||
|
409051893
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/08/2026
|
Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/08/2026
|
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.
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051893
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051893
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051894
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV 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
|
A
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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
|
|||
|
409051894
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV 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
|
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
|
|||
|
409051894
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/08/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV of XXX%
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051895
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV 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
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|||
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409051895
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV 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
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|||
|
409051895
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV 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
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|||
|
409051897
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation
in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX without a valid COC. CD dated XX/XX/XXXX shows lender paying XXX of the appraisal fee, however credit was removed on the final CD.
|
Document Uploaded. Please see XXX PCCD and check as requested. The XXX lender credit was a tolerance cure. On XX/XX/XXXX a final inspection
fee was added without a valid CIC. To remedy, the fee was covered by a lender credit. The fee was placed in error, which is why there was a tolerance credit. The fee was then removed and so was the lender credit. This is not a tolerance
violation.
|
06/11/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. A lender credit is a "negative charge" or "zero
tolerance" item. It must be honored, even if the fee it was intended to offset is removed. Valid COC for reduction in Lender credit or cure package required. Per CFPB, The CFPB has established that lender credits are a negative charge to the
consumer and a decrease in credit is considered an increased charge to the consumer for good faith determination purposes. The amounts originally disclosed on the Loan Estimate under XXX(e) (XXX) (i) are referenced in SFA scope and the
regulation for good faith determination, however, creditors may use revised estimates under XXX(e) (XXX) (i) and XXX(f) (XXX) (i) , including corrected disclosures provided under XXX(f) (XXX) (i) or (ii) to reflect the revised estimate and
determine good faith under XXX(e) (XXX). Revised disclosures, including Closing Disclosures governed by XXX are therefore subject to the good faith requirements described in XXX(e) (XXX) , and baseline testing considers the revised disclosures
accordingly. If the sum total amount of general and specific lender credits has been reduced, a permissible reason must be provided to reestablish the baseline. This approach is consistent with the CFPB’s TILA-RESPA Integrated Disclosure Rule
FAQs stating that lender credits may decrease for one or more of the reasons listed in XXX C. § XXX(e) (XXX) (iv) , provided that a revised disclosure reflecting the change is timely delivered. See 12 CFR §.1026.19(e) (3) (iv) (A) -(F) see also
Preamble to the TILA-RESPA Integrated Disclosure Rule, XXX Fed. Reg. XXX (Dec. XXX).
|
06/12/2026
|
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
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
B
|
A
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A
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B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051897
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
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
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C
|
B
|
A
|
A
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B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051897
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|||
|
409051898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
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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
|
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
|
|||
|
409051898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
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
|
|||
|
409051898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051859
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-seller accepts no change to grading.
|
05/08/2026
|
Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/08/2026
|
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.
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051859
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051859
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051861
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051861
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
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409051861
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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.
|
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409051862
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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409051862
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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409051862
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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409051903
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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409051903
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
|
409051903
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
|
409051907
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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|||
|
409051907
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
|
A
|
|||
|
409051907
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
A
|
|||
|
409051909
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
A
|
|||
|
409051909
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
A
|
A
|
|||
|
409051909
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051911
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051911
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower
has XXX years on job.
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409051911
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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
|
05/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower
has XXX years on job.
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409051864
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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409051864
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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409051864
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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|||
|
409051912
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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|
409051912
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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A
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|||
|
409051912
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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|||
|
409051913
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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|||
|
409051913
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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|||
|
409051913
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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|||
|
409051915
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409051915
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
A
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A
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A
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A
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A
|
A
|
|||
|
409051915
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409051916
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Rescinded
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the final CD issued XX/XX/XXXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3)
(i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific
lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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).
|
Please re-review the final closing disclosure as a XXX reduction was applied as there were no more applicable fees to be covered by a lender
credit. The borrower received the full $XXX.
|
05/11/2026
|
Final CD included PR for full amount of Lender credit - exception rescinded Final CD included PR for full amount of Lender credit -
exception rescinded
|
05/12/2026
|
C
|
A
|
C
|
A
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A
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A
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A
|
A
|
C
|
A
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
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
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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
|
||
|
409051916
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
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A
|
A
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A
|
A
|
A
|
C
|
A
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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
|
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
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A
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A
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A
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A
|
|||
|
409051916
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
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A
|
A
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A
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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
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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
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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
|
|||
|
409051917
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
|
A
|
|||
|
409051917
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
A
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A
|
A
|
A
|
A
|
|||
|
409051917
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051918
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051918
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051918
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051920
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
|
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
|
|||
|
409051920
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051920
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051921
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX
business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. This loan failed the revised loan estimate
delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First
Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on
or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1)
(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.
|
Document Uploaded. Please see LE receipt XXX, please note that the Website FYI denotes electronic receipt
|
05/11/2026
|
Revised LE receipt date provided exception resolved Revised LE receipt date provided exception resolved
|
05/12/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051921
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Acknowledged
|
FCRE1148
|
Credit
|
Title Coverage is Less than Subject Lien
|
Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. Requesting for Title Supplement or Title Commitment with
correct coverage amount.
|
Unable to Resolve-Seller acknowledges exception, no change in grading
|
05/11/2026
|
Per Lender: Unable to Resolve-Seller acknowledges exception, no change in grading
|
05/12/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051921
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/08/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409051922
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Requesting for Business narrative form for the employer XXX on XXX. Provided document page# XXX is blank.
|
Document Uploaded. Please see XXX executed business narrative.
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05/11/2026
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Documentation provided is sufficient. Exception resolved.
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05/12/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has
stable job time - Borrower has XXX years on job.
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D
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A
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D
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A
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D
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409051922
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/05/2026
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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
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05/08/2026
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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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A
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A
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A
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D
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409051922
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
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Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
|
05/08/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has
stable job time - Borrower has XXX years on job.
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D
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A
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A
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A
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D
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A
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D
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|||
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409051926
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
finding-3526
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Compliance
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Revised Loan Estimate Delivery Date Test (prior to consummation)
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This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR
§1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date
is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures
required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have
received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX
business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
|
Document Uploaded. Please see the XXX loan estimate verification.
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05/08/2026
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LE receipt date provided - exception resolved LE receipt date provided - exception resolved
|
05/08/2026
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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 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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409051926
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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
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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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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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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|||
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409051926
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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
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|||
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409051927
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV 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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A
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A
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A
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A
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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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409051927
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV 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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409051927
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than
Guideline CLTV 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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409051928
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges. No change to grading.
|
05/08/2026
|
Confirmed : Unable to Resolve-Seller acknowledges. No change to grading.
|
05/11/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
B
|
B
|
B
|
B
|
A
|
A
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A
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A
|
B
|
B
|
B
|
A
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A
|
B
|
B
|
A
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A
|
B
|
B
|
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
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051928
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
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A
|
A
|
B
|
B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051928
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051929
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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, or Valid COC. The lender credit tolerance violation in the amount of XXX is
due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX without a valid COC.
|
Document Uploaded. Please see XXX package mailed to the borrower.
|
05/12/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B.
|
05/13/2026
|
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
|
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
|
|
|
409051929
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
|
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
|
|||
|
409051929
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
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
|
|||
|
409051930
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051930
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051930
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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
|
|||
|
409051933
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation
in the amount of XXX is due to decrease in Lender Credit from XXX (lender paid Appraisal review fee) on Initial CD dated XX/XX/XXXX to XXX on Final CD dated XX/XX/XXXX. without a COC.
|
Document Uploaded. Please see XXX, cure packet for the XXX fee. Please see XXX CIC for the addition of the XXX appraisal review fee. The CU
score was over XX/XX/XXXX which means a CDA was needed. The XXX is a screen shot from our internal underwriting system showing the CIC and confirming when the CIC occurred. Please review to clear this condition.
|
05/13/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. XXX?; ; Documentation clears the XXX% tolerance
exception, however does not provide a reason the fee went from lender paid to borrower paid resulting in a Lender credit decrease of $XXX. Please provide COC for lender credit decrease on Final CD XX/XX/XXXX or cure package for $XXX.
|
05/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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
|
|
|
409051933
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
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 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
Appraisal Review Fee. Appraisal Review fee was initially added to CD XX/XX/XXXX paid by lender but the corresponding COC in the file does not reference this addition.
|
Document Uploaded. Please see XXX CIC for the addition of the XXX appraisal review fee. The CU score was over XX/XX/XXXX which means a CDA
was needed. The XXX is a screen shot from our internal underwriting system showing the CIC and confirming when the CIC occurred. Please review to clear this condition.
|
05/08/2026
|
Valid COC provided - exception resolved Valid COC provided - exception resolved
|
05/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
D
|
B
|
C
|
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
|
|
|
409051933
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy
|
Document Uploaded. please see XXX
|
05/08/2026
|
Documentation provided is sufficient. Exception resolved.HO-6 Master Insurance Policy is fully present
|
05/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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
|
|
|
409051933
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than
Guideline minimum FICO of XXX
|
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
|
|||
|
409051934
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/08/2026
|
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
|
|||
|
409051934
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/08/2026
|
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
|
|||
|
409051934
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/08/2026
|
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
|
|||
|
409051935
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Document Uploaded. Please see XXX confirmation of appraisal delivery.
|
05/08/2026
|
Evidence of appraisal delivery provided.
|
05/11/2026
|
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 XXX% is less than Guideline CLTV 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409051935
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
A
|
A
|
A
|
A
|
A
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A
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A
|
B
|
A
|
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
|
B
|
B
|
A
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A
|
B
|
B
|
A
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A
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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
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409051935
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
A
|
A
|
A
|
A
|
A
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A
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A
|
B
|
A
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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
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409051936
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051936
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051936
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
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A
|
A
|
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
|
|||
|
409051937
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Acknowledged
|
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. If borrower waived the XXX
day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close.
|
Unable to Resolve-Seller acknowledges exception, no change to grading.
|
05/08/2026
|
Confirmed : Unable to Resolve-Seller acknowledges the exception, no change to grading.
|
05/08/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051937
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051937
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051939
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051939
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051939
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051945
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 | 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
|
|||
|
409051945
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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 | 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
|
|||
|
409051945
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 | 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
|
|||
|
409051866
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV
is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI
of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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409051866
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV 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 LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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409051866
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV
is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI
of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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409051867
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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409051867
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409051867
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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409051868
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FCOM1221
|
Credit
|
The Deed of Trust is Incomplete
|
The Deed of Trust is Incomplete Per Lender - The mortgage is being re-recorded with the county as an SFR as well which will be a trailing
document. Awaiting re-recorded mortgage from lender.
|
Document Uploaded. Please see the XXX.; Please see the XXX re-recorded mortgage.Please clear exception as the recorded mortgage is a
trailing document.
|
06/04/2026
|
The Deed of Trust is Present and Complete.The XXX Mortgage sent for re-recording STILL reflects the PUD Rider Box Marked and it Should Not
Be. Please provide evidence the corrected mortgage and the mortgage being sent for re-recording. Unable to clear this condition without this documentation.Please provide evidence the updated mortgage and the mortgage being sent for
re-recording. Unable to clear this condition without this documentation.
|
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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
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409051868
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FVAL2477
|
Property
|
Appraisal incomplete (missing map, layout, pages, etc.)
|
The Appraisal, page XXX does not identify subject as "PUD" or document the HOA amount. Lender to address.
|
Document Uploaded. Please be advised the property is a XXX residence, there are no mandatory HOA dues or governing documents recorded on
county records. The 1003 has been updated to SFR and resigned by the borrower. The mortgage is being re-recorded with the county as an SFR as well which will be a trailing document.
|
05/18/2026
|
Lender confirmed -Document Uploaded. Please be advised the property is a XXX residence, there are no mandatory HOA dues or governing
documents recorded on county records. The 1003 has been updated to SFR and resigned by the borrower. The mortgage is being re-recorded with the county as an SFR as well which will be a trailing document.
|
05/19/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
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409051868
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/08/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
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409051868
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/08/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
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409051947
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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|||
|
409051947
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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|||
|
409051947
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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|
409051870
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum
- Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
A
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409051870
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/05/2026
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Resolved
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FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
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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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum
- Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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409051870
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/06/2026
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Resolved
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FCOM8997
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Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
|
05/07/2026
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Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum
- Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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409051872
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
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05/05/2026
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Resolved
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FPRO8998
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Property
|
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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05/07/2026
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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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409051872
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
|
05/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
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409051872
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
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05/06/2026
|
Resolved
|
finding-3352
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Compliance
|
Higher-Priced Mortgage Loan Test
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No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the
higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions
specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions
are met.
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Informational
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05/07/2026
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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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409051949
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX%
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409051949
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV 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 XXX% is less than
Guideline LTV of XXX%
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409051949
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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
|
05/07/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV 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 XXX% is less than
Guideline LTV of XXX%
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409051951
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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
|
05/06/2026
|
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 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 initial LE.
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 application date XX/XX/XXXX.
|
Please see the initial LE from XX/XX/XXXX
|
05/08/2026
|
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 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).
|
05/11/2026
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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409051951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% 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 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 creditorand(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 LE. 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 application date XX/XX/XXXX.
|
Please see the initial LE from XX/XX/XXXX
|
05/08/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
05/11/2026
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
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A
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409051951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
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 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 application date XX/XX/XXXX.
|
Document Uploaded. Please see XXX
|
05/08/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
05/11/2026
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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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C
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A
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|
|
409051951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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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A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051951
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
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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
|
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
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051874
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided.
|
Document Uploaded. Please see the XXX IVAF.
|
05/12/2026
|
Photo Identification provided.
|
05/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
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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
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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
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A
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A
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A
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A
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A
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A
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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
|
|
|
409051874
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. Borrower 2 Photo Identification not provided.
|
Document Uploaded. Please see the XXX IVAF.
|
05/12/2026
|
Photo Identification provided.
|
05/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
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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
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|
|
409051874
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
|
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
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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
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|||
|
409051874
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
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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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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409051876
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
The mortgage Statement is missing for property XXX
|
Documentation provided is sufficient. The HOA amount on the Final CD is supported with a separate document as required. Exception
resolved.Document Uploaded. Please see the XXX HOA verification, which is actually verified on the CD we have already provided. Document Uploaded. Please see XXX CD for the recently closed loan on this property. Please clear this condition.
|
05/12/2026
|
Final CD received verifying PITI. Missing supporting documentation for XXX monthly HOA fees. Exception remains.
|
05/12/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% |
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
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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
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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
|
|
|
409051876
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% |
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
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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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051876
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% |
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
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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
|
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
|
|||
|
409051956
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (Per Evidentiary Document) 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 application date XX/XX/XXXX
|
Document Uploaded. Please see the XXX initial LE dated XX/XX/XXXX.
|
05/08/2026
|
Initial LE provided - exception resolved
|
05/11/2026
|
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%
|
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
|
|
|
409051956
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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%
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051956
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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%
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409051957
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409051957
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409051957
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
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409051877
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
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05/05/2026
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Resolved
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FCRE7497
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Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
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For the property at XXX, the hazard insurance documentation is missing from the file; copy of the hazard insurance declaration is required
for proper debt calculation
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Apologies for the unclear response, there is no insurance policy on the non-subject as the property is free and clear. The value was
documented from XXX in the loan file and is XXX guidelines require that XXX% of the value be used as a conservative estimate for an insurance premium. $XXX*. XXX= XXX $XX/XX/XXXX= $XXX.; Please be advised the non-subject property is free and
clear and insurance is not required.
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05/11/2026
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Documentation provided is sufficient. Exception resolved.The Final 1003 shows a monthly payment of XXX but the tax docs only cover $XXX.
We’re missing documentation for the remaining $XXX. Exception remains.
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05/12/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV
is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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409051877
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
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05/05/2026
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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
|
05/07/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV
is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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409051877
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/06/2026
|
Resolved
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FCOM8997
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Compliance
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No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
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Informational
|
05/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV
is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
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409051959
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/06/2026
|
Resolved
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finding-3542
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Compliance
|
Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test
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This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f) (XXX) (ii) he revised closing
disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank,
and the revised 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 revised 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 revised closing disclosure receipt date is provided and the revised 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 transaction hanges before consummation requiring a new waiting period. If one of the
following disclosures provided under §1026.19(f) (1) (i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with
the requirements of §1026.19(f) (1) (ii) (A) :(A) The annual percentage rate disclosed under §XXX(o) (XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a) (XXX) (iii)
to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under
§1026.19(f) (1) (i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the
consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Please see the XXX explanation from our legal team dated XX/XX/XXXX "An APR that goes out of tolerance for a valid change in a finance
charge does not trigger an APR tolerance violation and therefore no new three-day waiting period is required. See the explanation below: 12 CFR XXX(a) (XXX) -(XXX) States: XXX Mortgage Loans. If the annual percentage rate disclosed in a
transaction secured by real property or a dwelling varies from the actual rate determined in accordance with paragraph (a) (XXX) of this section, in addition to the tolerances applicable under paragraphs (a) (XXX) and XXX of this section, the
disclosed annual percentage rate shall also be considered accurate if: (i) The rate results from the disclosed finance chargeand (ii) XXX (A) The disclosed finance charge would be considered accurate under § XXX(d) (XXX) or § XXX(o) (XXX) , as
applicableor (B) For purposes of rescission, if the disclosed finance charge would be considered accurate under § 1026.23(g) or (h) , whichever applies. The above, in plain language, means that if a valid change in the finance charge causes the
APR to fall outside of the standard APR tolerance, but the finance charge disclosed is accurate, then the APR is deemed to be accurate, provided the “error” in the APR resulted from the finance charge adjustment. This also means that a higher
finance charge can sometimes lead to a lower APR, but this is not considered an APR violation if the finance charge is within its allowable tolerance and the APR is incorrectly solely because of that disclosure. XXX Since the APR was accurate
based on the updated finance charge no APR tolerance violation occurred and a new three-day waiting period is not required. " In this example, the finance charge decreased which caused the APR to decrease, and although it is > XX/XX/XXXX of
a percentage, due to the regulation above these are both considered accurate and no new waiting period is required to be applied.
|
05/08/2026
|
Lender reduced APR back to below XXX. XXX%exception resolved LEnder reduced APR back to below XXX. XXX%exception resolved
|
05/08/2026
|
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.
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409051959
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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.
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409051959
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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
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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.
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409051960
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy HO-6 Master Insurance Policy Missing in file
|
Document Uploaded. Please see XXX
|
05/08/2026
|
Documentation provided is sufficient. Exception resolved.HO-6 Master Insurance Policy is fully present
|
05/11/2026
|
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.
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409051960
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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.
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409051960
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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.
|
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|||
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409051961
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Rescinded
|
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 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 CPL fee added to CD XX/XX/XXXX without a COC.
|
This fee was paid for by the seller paid credit which increased to accomodate this fee when it was added. Pleas also note the prinicipal
curtailment on Pg XXX of the final CD for the remainder of credits the borrower was entitled to as all fees were covered by interested party credits.
|
05/08/2026
|
Title fee paid to a non affiliate and it was a shopped service exception resolved Title fee paid to a non affiliate and it was a shopped
service exception resolved
|
05/11/2026
|
C
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A
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||
|
409051961
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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|||
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409051961
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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|||
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409051962
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Resolved
|
FCOM8227
|
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.
|
Document Uploaded. Please see the XXX initial loan estimate.
|
05/08/2026
|
Initial LE provided exception resolved
|
05/11/2026
|
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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409051962
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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
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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409051962
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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
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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409051963
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
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.
|
Document Uploaded. Please see XXX, LE as requested.
|
05/08/2026
|
LE provided exception resolved
|
05/11/2026
|
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%
|
D
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409051963
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/11/2026
|
Rescinded
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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). 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 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). rounding issueexception resolved rounding issueexception resolved
|
05/11/2026
|
D
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C
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|||||
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409051963
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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%
|
D
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A
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|||
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409051963
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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%
|
D
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A
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409051878
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
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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409051878
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
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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409051878
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
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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|||
|
409051966
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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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|||
|
409051966
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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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|||
|
409051966
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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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|||
|
409051967
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
|||
|
409051967
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/05/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
A
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A
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A
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A
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|||
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409051967
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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
|
05/06/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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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|||
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409047834
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XXX
|
XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/07/2026
|
Rescinded
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. Please provide Borrower 1 photo identification or executed Patriot Act Form.
|
Document Uploaded. Please rescind. CIP was in the original doc package. Thank you!Document Uploaded. Please rescind. Doc was in original
upload. Thank you;
|
05/20/2026
|
Client States: Document Uploaded. Please rescind. CIP was in the original doc package. Thank you! Verified. LM Updated.Client provided XXX
Patriot Act Information Disclosure. However, missing Photo ID or Executed XXX Patriot Act Information Form (ID used to fill out).
|
05/20/2026
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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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409047735
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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
|
05/08/2026
|
Resolved
|
FCRE1325
|
Credit
|
Borrower 1 CPA Letter Missing
|
Borrower 1 CPA Letter Missing CPA letter missing a fixed expense ratio factor (can never be less than XXX%).
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/15/2026
|
Borrower 1 CPA Letter Provided.Client provided Updated CPA letter Reflecting XXX%-XXX% Expense ratio. LM Updated.Client provided a CPA
Letter reflecting Business Establishment, Ownership percentage and Independence Statement. However, the letter does not address Expense Ratio. Borrower 1 CPA Letter Missing CPA letter missing a fixed expense ratio factor (can never be less than
XXX%).
|
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
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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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409047735
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/08/2026
|
Resolved
|
FCRE1326
|
Credit
|
Borrower 1 YTD Profit & Loss Missing
|
Borrower 1 YTD Profit & Loss Missing Missing CPA prepared P&L that covers the same time frame as the bank Statements is required
since fixed expense ratio is not being used.
|
Please waive- a P&L is not required for the bank Statement program.
|
05/13/2026
|
Borrower 1 YTD Profit & Loss Provided.Condition resolved as expense factor was applied on the business bank Statements. Borrower 1 YTD
Profit & Loss Provided.
|
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
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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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|
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409047735
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/08/2026
|
Resolved
|
FCRE7805
|
Credit
|
Missing Income - Bank Statements
|
Missing XX/XX/XXXX # XXX Statement.
|
Documentation received, XXX to reviewDocument Uploaded.
|
05/14/2026
|
Client provided XXX Statement for account #XXX dated XX/XX/XXXX. LM Updated.
|
05/15/2026
|
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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409041764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing EIN and W-XXX for borrowing entity.
|
Documentation received, XXX to review. Document Uploaded.
|
05/22/2026
|
Client provided W-XXX for XXX reflecting the Borrower's SSN. Document in file States Because the LLC is a XXX ; The EIN is my soc number. LM
Updated.
|
05/22/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
C
|
A
|
B
|
A
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B
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A
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B
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A
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B
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A
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B
|
A
|
B
|
A
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B
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A
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B
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A
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B
|
A
|
B
|
A
|
|
|
409041764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/12/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX guidelines, properties designated as rural per
XXX ineligible.
|
Exception was approved. Comp Factor: FICO XXX DSCR XXX; ; Exception approved for rural property. Comp factor: FICO XXX DSCR >XXX;
|
05/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR
XXXThe compensating factors listed in the approval request were not validated by audit. The compensating factor for DSCR was >XXX; however, audit DSCR was only XXX.
|
05/22/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
|
B
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A
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B
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A
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B
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A
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B
|
A
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B
|
A
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B
|
A
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B
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A
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B
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A
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B
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A
|
B
|
A
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|
|
409041764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FVAL1628
|
Property
|
No HOA fees on appraisal and property identified as a PUD
|
PUD Rider present in file and Final Appraisal Report dated XX/XX/XXXX does not reflect PUD, Provide updated appraisal reflecting PUD and HOA
Dues.
|
Document Uploaded. Documentation received, XXX to review.
|
05/22/2026
|
Client provided Updated Appraisal reflecting PUD and XXX per year HOA. LM Updated.
|
05/22/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409041764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/11/2026
|
Resolved
|
FCRE9780
|
Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Business Purpose Affidavit/Disclosure Missing. Provide Business Purpose Affidavit/Disclosure, not contained in loan file.
|
Documentation received, XXX to review. Document Uploaded.
|
05/19/2026
|
Received executed Business Purpose Affidavit. Exception Resolved.
|
05/19/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409041764
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
The subject property is tenant occupied on a XXX transaction. Missing lease agreement.
|
Documentation received, XXX to review. Document Uploaded. There is not a lease as it is a short term rental;
|
05/19/2026
|
Additional comments from appraiser confirm property is a short term rental. The XXX Comparable Rent Schedule was used. Condition resolved.
|
05/19/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409050642
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Missing Lender's Compliance Report. Lender did not provide ATR/QM Status Determination.
|
Documentation received, XXX to review. Document Uploaded. Comment received, XXX to review.; This is a Manually underwritten loan-these tests
are XXX. In addition this is an asset depletion loan-which adds another layer of testing not being applicable. Please waiveDocumentation received, XXX to review. Document Uploaded.
|
05/28/2026
|
Compliance report has been provided. Condition resolved.Please provide evidence of compliance report with ATR/QM safe harbor test results as
it would be required on a non-business purpose transaction.A Compliance Summary report was provided however, many of the tests, including the QM Test, Safe Harbor Test and the HPML Test all indicate "Not Evaluated". Please provide the lender's
compliance report or evidence of the ATR/QM Status Determination.
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050642
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCRE3464
|
Credit
|
Missing Closing/Final Verbal VOE
|
Missing Final VVOE within XXX days of closing.
|
Documentation received, XXX to review. Document Uploaded.
|
05/28/2026
|
VOE provided within XXX days of closing. Condition resolved.
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051857
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/13/2026
|
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
|
|||
|
409051857
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/13/2026
|
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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409051857
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/13/2026
|
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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409051910
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Cured
|
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: Loan Origination Fee: XXX Flood Certification: XXX MERS Registration Fee: XXX Credit Monitoring Service: XXX Life of Loan Tax Service: XXX Appraisal Management Fee: XXX Title Tax Certification: XXX Title Courier Fee paid by
Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title Lender Insured Closing Letter paid by Borrower: XXX Title Title Service Charges paid by Borrower: XXX Title Wire: XXX Recording Service Fee: XXX Title Archive Fee: XXX Notary
Fee: XXX and Prepaid Interest: $XXX.
|
Document Uploaded. Please see the XXX redisclosure package.
|
05/19/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
05/20/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX% | 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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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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B
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B
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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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|
|
409051910
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Cured
|
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 Exception tied to TILA Finance Charge test.
|
Document Uploaded. Please see the XXX redisclosure package.
|
05/19/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
05/20/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX% | 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
|
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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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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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
|
A
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A
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B
|
B
|
A
|
A
|
B
|
|
|
409051910
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
C
|
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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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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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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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
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409051910
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/13/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
C
|
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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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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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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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
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A
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A
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B
|
B
|
A
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A
|
B
|
|||
|
409051871
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Please provide the initial LE dated XX/XX/XXXX, and any other issued LE's. Additional testing will take place
|
Document Uploaded. Please see XXX initial LE.
|
05/14/2026
|
Initial LE provided - exception provided
|
05/15/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
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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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
|
|
|
409051871
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/13/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
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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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
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|||
|
409051871
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/13/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
D
|
A
|
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
|
D
|
D
|
A
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A
|
D
|
D
|
A
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A
|
D
|
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
|
|||
|
409051948
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
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 the Evidentiary Document in file) is missing from
the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. XXX ; The violation can be cured by providing the initial LE within XXX days of application date 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.
|
Document Uploaded. Please see XXX, LE as requested. Document Uploaded. Please see the XXX internal screenshot showing that the LE dated
XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
|
05/18/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved The Initial Loan Estimate dated XX/XX/XXXX is missing from
the loan file. XXX?; ; Documentation is LE acknowledgement date for LE XX/XX/XXXX. Please provide Initial LE XX/XX/XXXX.
|
05/18/2026
|
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
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051948
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/13/2026
|
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
|
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
|
|||
|
409051948
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/13/2026
|
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
|
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
|
|||
|
409051955
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Acknowledged
|
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)
). Missing proof the borrower received a copy of the appraisal prior to closing.
|
Unable to Resolve-seller accepts no change to grading.
|
05/14/2026
|
Unable to Resolve-seller accepts no change to grading.
|
05/15/2026
|
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 XXX% is less than Guideline
LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
B
|
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
|
|
|
409051955
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR
§1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date
is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures
required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have
received such version three business days after the creditor delivers or places such version in the mail. The revised LE dated XX/XX/XXXX was issued less than XXX business days prior to the consummation date of XX/XX/XXXX, was delivered
electronically (pg. XXX) , and does not reflect a receipt date. Please provide evidence of receipt date of the LE dated XX/XX/XXXX. XXX Once the missing documentation is provided, additional testing will be completed.
|
Document Uploaded. Please see the XXX loan estimate verification. Website FYI is the date/time the borrower acknowledged receipt, and the
outstanding status is the date/time the document was disclosed.
|
05/14/2026
|
LE receipt date provided - exception resolved LE receipt date provided - exception resolved
|
05/15/2026
|
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 XXX% is less than Guideline
LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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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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|
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409051955
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/13/2026
|
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 XXX% is less than Guideline
LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
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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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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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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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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|||
|
409051955
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/13/2026
|
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 XXX% is less than Guideline
LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
A
|
A
|
A
|
A
|
A
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A
|
C
|
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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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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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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|||
|
409049300
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
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. Pg XXX and XXX EMD document is available but date is expired so
we need updated one document and Final CD showing EMD.
|
Document Uploaded. DD to review FMHL Variance for reserve requirement.Documentation received, XXX to review. Document Uploaded. Assets
breakdown;
|
05/21/2026
|
Per Client, FMHL Variance only requires XXX months reserves. Sufficient reserves were documented. Condition rescinded.Audited Reserves of
XXX are equal to or greater than AUS Required Reserves of $XXX.Response from the lender States to review the FMHL Variance for reserves requirement. This guideline sheet references a general Reserves requirement but does not show whether
reserves are required for the additional financed properties. The FMHL Variance sheet does State that “All other applicable guideline requirements must be satisfied in accordance with the most current versions of the XXX Expanded guidelines”.
As the XXX Expanded guidelines required additional reserves for the borrower’s financed properties, this resulted in the asset shortage for this loan. The asset breakdown provided by the lender shows required reserves of XXX Audit calculated
the required reserves to be $XXX. This included XXX months for the subject property. Also, as the borrower owns multiple financed investment properties, the guidelines require additional reserves for each of those financed properties.The asset
breakdown provided by the lender shows required reserves of XXX As the borrower owns multiple financed investment properties, the guidelines require additional reserves for each property.
|
05/21/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
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
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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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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
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409049300
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Waived
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Exception in file from XXX for Exposure over XXX million and over XXX loans. Need a XXX approved Lender Exception. Comp factors listed on FM
Exception: LTV XXX% or more under requirement, FICO XXX points ore more above requirement, Reserves XXX months more than requirement, Residual income $XXX or more, Long Term Employment greater than XXX years, Long Term Homeownership greater
than XXX years.
|
Document Uploaded. DD to waive for B Grade. Exception to XXX Variance uploaded. Comp Factors: XXX mos PITIA reserves XXX% DTI XXX FICO ; No
Mortgage Lates in last XXX months XXX% LTV XXX per monthnth residual incomeMeets XXX Expanded Program guidelines.Documentation received, XXX to review.as per XXX, they confirmed that we can give our own exception when it meets their guidelines
XXX... a separate XXX exception should not be required XXX to review for exception.;
|
05/19/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA
reserves XXX% DTI XXX FICO ; No Mortgage Lates in last XXX months XXX% LTV XXX per monthnth residual income
|
05/19/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
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
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049300
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
XXX ; There is no source document available to verify HOA dues or any other payment
|
Documentation received, XXX to review. Document Uploaded. online shows this address as a lot (NO HOA) ;
|
05/18/2026
|
Resolved - Client provided XXX Property Detail report reflect the property was XXX and valued at XXX ; The property is a vacant lot. LM
Updated.
|
05/18/2026
|
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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049300
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/12/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required XXX Business narrative form.
|
DD to waive for B Grade. Seller does not obtain - although not in variance XXX team has reviewed on previous loans and not consider material
not obtaining for seller - Comp Factors: XXX mos PITIA reserves XXX% DTI XXX FICO ;
|
05/15/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA
reserves XXX% DTI XXX FICO
|
05/15/2026
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE1748
|
Credit
|
Missing Certificate of Occupancy
|
XXX DSCR guidelines require a Certificate of Occupancy.
|
Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
07/07/2026
|
Client provided Business Purpose & Occupancy Affidavit. LM Updated. Cleared.Client provided Property Search for XXX. XXX DSCR guidelines
require a Certificate of Occupancy.
|
07/07/2026
|
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
|
|
|
409047003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE3653
|
Credit
|
Missing letter of explanation
|
The Final 1003 indicates that the borrower has no primary housing expense, and the fraud report does not show any ownership in the primary
residence (XXX). A Letter of Explanation regarding the borrower's rent-free status at the property is required.
|
Documentation received, XXX to review. Document Uploaded.
|
07/07/2026
|
Client provided LOE for living rent free. LM Updated.
|
07/07/2026
|
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
|
|
|
409047003
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/12/2026
|
Resolved
|
FCOM5413
|
Compliance
|
Prepayment Penalty Information Unavailable
|
Prepayment Penalty Information Unavailable The Note section XXX indicates a Prepayment Addendum is XXX but it is missing from the file.
|
Documentation received in XXX review. Thank you for providing the tracking, we'll get this added to the custodial file as well.Document
Uploaded.
|
07/07/2026
|
Prepay Addendum to the Note has been provided. Condition resolved. Prepayment Penalty Information is Resolved.
|
07/07/2026
|
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
|
|
|
409045327
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/14/2026
|
Cured
|
FCOM1852
|
Compliance
|
Incorrect rescission model used - RTC form model H-XXX used for XXX not with Original Lender or Lender Affiliate
|
Incorrect rescission model used - RTC form model H9 (Same Creditor) used for XXX not with Original Lender or Lender Affiliate Documentation
required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-XXX (New Lender) form was used and should have been H-XXX (Same Lender) form. In order to cure rescission needs to be re-opened with correct form and a
PCCD, LOE, and proof of delivery is required.
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Cure package provided to the borrower
|
07/02/2026
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409045327
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/14/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. The Uniform Underwriting and Transmittal Summary XXX is required and was not found in the file.
|
Documentation received, XXX to review.; XXX
|
06/01/2026
|
Approval/Underwriting Summary is fully present
|
06/01/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
B
|
B
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Verification of the entity's Employer Identification Number (EIN) was not provided in the file.
|
Document Uploaded.
|
07/14/2026
|
Business entity formation document provided Client provided Executed W-XXX for XXX reflecting EIN. LM Updated.
|
07/14/2026
|
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
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Documentation received in XXX review. Document Uploaded.
|
06/26/2026
|
Client provided Mortgage Transaction history showing XXX balance and Title Policy for XXX loan amount of $XXX. Sufficient documentation.The
Investment Purpose Occupancy Cert is not needed because it is already contained in the loan file. Please provide the payoff letter for the XXX amount paid to XXX on the subject Settlement Statement. XXX DSCR guidelines require a Certificate of
Occupancy and a pay off letter from XXX. Neither document is in the file.
|
06/26/2026
|
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
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409051255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/13/2026
|
Rescinded
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. XXX DSCR guidelines must include an Underwriting Summary/Credit Approval (FNMA form 1008 or
equivalent) as part of the complete documentation package. The Approval/Underwriting Summary was not located in the loan file at time of review.
|
Documentation received, XXX to review. Document Uploaded.
|
06/26/2026
|
XXX application in original file. Exception Rescinded. Approval/Underwriting Summary is fully present
|
06/26/2026
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409051255
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FVAL1563
|
Property
|
Unsupported adjustments or comps
|
The subject is a multi-family residence (MFR). The Comparable Rent Data section of the appraisal reflects XXX comps, all of which are
single-family residences (SFR). The lender asked for the comps to be corrected to MFRs, but the appraiser responded that MFR rental data was not available for the subject's market area.
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded. please see memo XXX;
|
06/24/2026
|
Lender provided updated form 1007 with XXX market rent (XXX to Finding). Audit updated DSCR calc using revised/lower Market rent of XXX
revising DSCR to XXX.Client States: Seller did request the updates from the appraiser and the appraiser pushed back. After reviewing the comps more closely we found they are actually condos and not free standing SFR. Based the fact that they
are sharing walls and not XXX homes, age, quality, and location we agreed with the appraiser and felt they are acceptable comparables. Statement does not clear Condition. The subject is a multi-family residence (MFR). The Comparable Rent Data
section of the appraisal reflects XXX comps, all of which are single-family residences (SFR). The lender asked for the comps to be corrected to MFRs, but the appraiser responded that MFR rental data was not available for the subject's market
area.
|
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
|
C
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050294
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete Missing the following addendums per page XXX of the Home XXX Agreement: Affiliate Incentive
Addendum and Home Equity Conversion Mortgage Amendment.
|
Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/26/2026
|
The Affiliate Incentive addendum was provided along with an updated Addenda section showing the Home Equity Conversion Mortgage Amendment is
no longer applicable. This updated Addenda page was executed by the borrowers. Condition resolved. XXX Contract Doc is complete.Lender provided the XXX contract and a change order. Please provide the following addendums as checked on page XXX
of the Home XXX Agreement: Affiliate Incentive Addendum and Home Equity Conversion Mortgage Amendment.
|
06/26/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409050294
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/13/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines XXX Expanded v12 guidelines require XXX or XXX months of complete business bank Statements from
the same account. Missing XX/XX/XXXX #XXX business bank Statement to complete the XXX months. Lender provided an online printout which is not acceptable.
|
Documentation received in XXX review. Document Uploaded.
|
06/26/2026
|
The April XXX bank Statement has been provided. Condition resolved.Income and Employment Meet Guidelines.
|
06/26/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409049981
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/14/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing
|
Documentation received in XXX review.;
|
05/18/2026
|
Title report provided. Condition resolved.Title Document is fully Present
|
05/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409049872
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Per XXX DSCR Guidelines Version XXX a secondary valuation is required to support the appraised
value. Acceptable products by approved providers include: XXX (CDA) or XXX (CCA). XXX or XXX should be used for all (CDA) /(CCA) products. The loan file contained an AVM from XXX, which is not a recognized product from an approved provider. XXX
|
Documentation received, XXX to review. Document Uploaded. CDA XXX; ; Exception reviewed by XXX and unable to be approved to accept AVM for
secondary valuation. Please provide CDA or CCA from XXX approved vendor (XXX or CA) to support value. If unable to cure, please notify XXX and advise how to proceed (If loan to be withdrawn, please notify so collateral can be returned).
|
07/01/2026
|
Property/Appraisal Meets Guidelines.
|
07/01/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049872
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Per XXX DSCR Guidelines Version XXX an executed W9 is required. The loan file is missing the W9 in the LLC name.
|
Documentation received, XXX to review. Document Uploaded. W9 XXX;
|
07/01/2026
|
Client provided Executed Entity W-XXX reflecting EIN. LM Updated. Cleared.
|
07/01/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049872
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR Guidelines Version XXX on each monthly payment date, the borrower shall deposit with l ender an amount sufficient to pay:
XX/XX/XXXX of projected annual property taxes and an amount equal to XX/XX/XXXX of the insurance premium. The CD reflected the taxes and insurance were not escrowed.
|
DD to waive for B Grade. Approved Exception XXX. Comp Factors XXX mos PITIA reserves (covers XXX months tax and insurance payments) ; XXX
FICO XXX% LTV XXX to review for exception for escrow waiver.;
|
05/20/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA
reserves (covers XXX months tax and insurance payments) ; XXX FICO XXX% LTV
|
05/20/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051812
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX Expanded DSCR guidelines require borrowers electing to self-manage to document
qualifying management experience/certification or meet First-Time XXX requirements, including maximum XXX% LTV. File does not contain a property management agreement or documentation supporting third-party management. As borrower appears to
intend to self-manage, Audited LTV of XXX% exceeds the maximum allowable XXX% LTV.
|
DD to waive for B Grade. Exception Approved. Comp Factors: XXX Per AppraisalXXX mos PITIA reserves (covers XXX months tax and insurance
payments) ; XXX FICO ; No Mortgage lates in last XXX months XXX DSCR Note to seller: Exception Approved please note there will be XXX impact to pricing for exception granted.; ; Per Property Management Section of XXX DSCR Guidelines: •
Borrowers that intend to self-manage the property must meet at least one of the following requirements: Have three XXX years of experience managing income producing properties. Have a certification or proof of equivalent coursework in real
eState property management. First Time XXX permitted with a XXX minimum FICO , max LTV is XXX%, minimum XXX months reserves. - XXX to review for exception. Please note there maybe impact to pricing. DD to reopen finding.Rebuttal received, XXX
to review.; Per XXX DSCR matrix and guidelines, first time XXX need to have min XXX credit score and LTV lowered XXX% Matrix shows XXX score, XX/XX/XXXX mil max loan amount, DSCR over XX/XX/XXXX on XXX can go XXX% LTV max minus XXX% = XXX% LTV
(which is what we have).;
|
06/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Per
AppraisalXXX mos PITIA reserves (covers XXX months tax and insurance payments) ; XXX FICO ; No Mortgage lates in last XXX months XXX DSCR Note to seller: Exception Approved please note there will be XXX impact to pricing for exception granted.;
; Per Property Management Section of XXX DSCR Guidelines: • Borrowers that intend to self-manage the property must meet at least one of the following requirements: Have three XXX years of experience managing income producing properties. Have a
certification or proof of equivalent coursework in real eState property management. First Time XXX permitted with a XXX minimum FICO , max LTV is XXX%, minimum XXX months reserves. - XXX to review for exception. Please note there maybe impact
to pricing. DD to reopen finding.
|
06/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051812
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX guidelines, properties designated as rural per
XXX ineligible.
|
Document Uploaded. DD to waive for B Grade. Exception Approved. Comp Factors: XXX Per AppraisalXXX mos PITIA reserves (covers XXX months tax
and insurance payments) ; XXX FICO ; No Mortgage lates in last XXX months XXX DSCR Note to seller: Exception Approved please note there will be XXX impact to pricing for exception granted.; Exception Approved please note there will be XXX
impact to pricing for exception granted.; XXX to review for exception. Please note there maybe impact to pricing.;
|
06/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Per
AppraisalXXX mos PITIA reserves (covers XXX months tax and insurance payments) ; XXX FICO ; No Mortgage lates in last XXX months XXX DSCR Note to seller: Exception Approved please note there will be XXX impact to pricing for exception granted.
|
06/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051812
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE1441
|
Credit
|
Delinquent Credit History Does Not Meet Guideline Requirements
|
Delinquent Credit History Does Not Meet Guideline Requirements The mortgage Statement and credit supplement reflect a Bankruptcy claim (XXX
#XXX). Guidelines require a XXX month seasoning for all derogatory credit. Please provide evidence that the bankruptcy has been seasoned XXX months.
|
Documentation received, XXX to review. Document Uploaded. Discharge
|
06/01/2026
|
Received Discharge of debtor for Chapter XXX BK on XXX and is seasoned >XXX months. Exception Resolved. Delinquent Credit History Does
Not Meet Guideline Requirements
|
06/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051812
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
DD to waive for B Grade. Exception Approved. Comp Factors: XXX Per AppraisalXXX mos PITIA reserves (covers XXX months tax and insurance
payments) ; XXX FICO ; No Mortgage lates in last XXX months XXX DSCR Note to seller: Escrow waiver pricing already taken into account in lock.; waiver; Documentation received, XXX to review.Exception Review in Process by XXX; escrow waiver
Documentation received, XXX to review. Document Uploaded. Escrow waiver Documentation received, XXX to review.Exception in process by XXX - Loan locked with Escrow waiver pricing.;
|
06/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA
reserves (covers XXX months tax and insurance payments) ; XXX FICO ; No Mortgage lates in last XXX months XXX DSCR.Reopened No documentation provided. Received Escrow Waiver on XXX. Provide copy of exception with XXX compensating factors.
|
06/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
||
|
409051812
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Rescinded
|
FCOM1229
|
Credit
|
1-4 Family Rider is Missing
|
1-4 Family Rider is Missing. 1-4 Family Rider is Missing.
|
Documentation received, XXX to review. Document Uploaded. Lender response and riders signed at closing
|
05/27/2026
|
The Assignment of Leases and Rents Rider is acceptable in this instance. Finding is rescinded. Re-opened condition status from ready for
review per XXX request. This has been escalated to XXX compliance team for their review. Condition to remain Open at this time.
|
06/01/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
||
|
409051812
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. XXX Expanded guidelines require full Operating Agreement and entity documentation
evidencing borrower ownership interest and access to business funds utilized for qualification/reserves. Business asset documentation and CPA letter provided reflect XXX however, the Operating Agreement and Subsistence Cert in file are for XXX.
Current documentation does not establish borrower ownership and access to the business assets being utilized. Please provide entity documentation and fully executed Operating Agreement for XXX or documentation clarifying the relationship
between entities.
|
Document Uploaded. Full accrssDocumentation received, XXX to review.Finding UpdatedDocument Uploaded. XXX agreement Documentation received,
XXX to review.Bus docs Documentation received, XXX to review. Document Uploaded. Bus Docs/Operating agreement Documentation received, XXX to review.;
|
05/27/2026
|
Received XXX% access Letter from XXX% XXX of XXX. Exception Resolved.Received the Operating Agreement for XXX which reflects the Borrower
has XXX% ownership in the company which satisfies the first part of the guideline requirement. Require proof of the borrower's access to the funds. Pg XXX #XXX indicates all withdrawals will be made by the agent or agents as appointed by
unanimous consent of the XXX. Provide evidence of unanimous consent that the borrower has ability to withdraw funds for this transaction. No updated documentation was received. Received documentation for XXX on XXX. The funds used for closing
are from a different business XXX. The file contains a CPA LOX that States use of business funds will not affect the regular business XXX. XXX XXX DSCR guidelines require the following for use of business funds for XXX: A copy of the full
Operating Agreement that details ownership of the entity and access to funds in the entity's bank/brokerage account OR Formal/Official documentation from the bank substantiating that the applicant is an authorized signor and has access to
business account funds.Received documentation for XXX XXX. The funds used for closing are from a different business XXX. The file contains a CPA LOX that States use of business funds will not affect the regular business XXX. XXX XXX DSCR
guidelines require the following for use of business funds for XXX: A copy of the full Operating Agreement that details ownership of the entity and access to funds in the entity's bank/brokerage account OR Formal/Official documentation from the
bank substantiating that the applicant is an authorized signor and has access to business account funds.
|
05/27/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE3978
|
Credit
|
Missing Letter of Explanation (Credit)
|
Provide LOX for the following inquiries: XXX on XXX, XXX on XXX and Factual Data on XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Letter of explanation for credit inquiries provided. Condition resolved.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
|
|
409050108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. Provide documentation to support the borrower's ownership percentage in XXX. An operating
agreement for a single XXX LLC was provided, however, the zoning permit in file indicates the application is XXX and the XXX is XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Sufficient documentation provided to show borrower is XXX of company. Condition resolved.Borrower 1 3rd Party VOE Prior to Close Was
Provided.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
|
|
409050108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/15/2026
|
Rescinded
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Provide documentation to verify the source of the following deposits is business related: XXX
on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX, XXX on XXX and XXX on XXX.
|
DD to review, XXX guidelines do not address large deposits on business bank Statement income (only personal). These appear to be due to
normal course of business. Please review. Thank you, XXX.;
|
06/23/2026
|
XXX advised XXX guidelines do not address large deposits on business bank Statements. Exception rescinded.
|
06/23/2026
|
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
|
||
|
409051233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% Borrower is a first-time XXX, which results in a XXX% LTV reduction from XXX% to XXX%
|
DD to reopen finding. Exception approved for XXX price but terms of approval must be met to request DD to waive. Additional Conditions of
the Approval Must meet XXX DSCR program guidelines DSCR must remain > XXX Verification of XXX months reserves after closing of subject and property located at: - XXX XXX, XXX XXX VOM for mortgages securing the following properties: - XXX
XXX, XXX Seller to accept pricing for exception Please request for an exception. Providing documentation borrower experienced XXX per guidelines to cure.;
|
05/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX
months reserves.Seller requesting exception. Condition re-opened for XXX to review terms of exception with Seller.
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Waived
|
FCRE1196
|
Credit
|
Audited HCLTV Exceeds Guideline HCLTV
|
Audited HLTV of XXX% exceeds Guideline HCLTV of XXX%
|
Document Uploaded. DD to reopen finding. Exception approved for XXX price but terms of approval must be met to request DD to waive.
Additional Conditions of the Approval Must meet XXX DSCR program guidelines DSCR must remain > XXX Verification of XXX months reserves after closing of subject and property located at: - XXX XXX, XXX XXX VOM for mortgages securing the
following properties: - XXX, XXX Seller to accept pricing for exception Documentation received, XXX to review.Requesting an exception on this please. Providing documentation borrower experienced XXX per guidelines to cure.;
|
05/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX
months reserves.Documentation received, XXX to review.
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Waived
|
FCRE1195
|
Credit
|
Audited CLTV Exceeds Guideline CLTV
|
Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Borrower is a first-time XXX, which results in a XXX% CLTV reduction from XXX% to XXX%
|
DD to reopen finding. Exception approved for XXX price but terms of approval must be met to request DD to waive. Additional Conditions of
the Approval Must meet XXX DSCR program guidelines DSCR must remain > XXX Verification of XXX months reserves after closing of subject and property located at: - XXX XXX, XXX XXX VOM for mortgages securing the following properties: - XXX,
XXX Seller to accept pricing for exception Kindly request for an exception. Providing documentation borrower experienced XXX per guidelines to cure.;
|
05/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX
months reserves.Seller requesting exception. Condition re-opened for XXX to review terms of exception with Seller.
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete. Missing the Initial 1003.
|
Document Uploaded. DD to review Final 1003 is signed by both borrower and LO - Should be adequate to clear.;
|
05/20/2026
|
The Final 1003 is PresentClient provided Executed 1003. LM Updated
|
05/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE9780
|
Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Business Purpose Affidavit/Disclosure Missing. Missing required Business Purpose Affidavit for Rate/Term XXX Investment loans.
|
Documentation received, XXX to review. Document Uploaded.
|
06/10/2026
|
Business purpose affidavit provided. Condition resolved.Business Purpose Affidavit/Disclosure Provided
|
07/14/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing evidence of new payments for XXX properties (referenced on Final 1003) for XXX XXX. This has caused a difference in net rental
calculations on audit, from the figures the lender used for these properties. Missing property tax bill for XXX XXX
|
Document Uploaded. See new doc uploaded showing for payment for XXX?; ; Documentation received, XXX to review. Document Uploaded.
|
06/10/2026
|
Sufficient documentation provided for XXX XXX and it matches the payment used by lender. Condition resolved. The lender provided a printout
from XXX om on XXX XXX, which showed it was a Co-op and had no taxes listed. Please provide evidence of the maintenance/HOA dues on this property. Sufficient documentation was provided for the XXX.The lender provided a printout from XXX om on
XXX XXX, which showed it was a Co-op and had no taxes listed. Please provide evidence of the maintenance/HOA dues on this property. Sufficient documentation was provided for the XXX.
|
06/10/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/15/2026
|
Resolved
|
FPRO1242
|
Property
|
Appraisal is Missing
|
Appraisal is Missing. Please provide an acceptable appraisal supporting a value of $XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/10/2026
|
Appraisal provided which supports the value used by lender. Condition resolved.Appraisal is Present or is Waived
|
06/10/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Waived
|
FCRE4293
|
Credit
|
File does not contain all required Asset Statement(s)
|
Please provide XXX months worth of payments for each leased property to evidence receipt. Per guidelines, Borrowers utilizing the bank
Statement program with rental income from investment properties not XXX with a business, may do so as long as they provide a current active lease, proof of payments for the most recent XXX or XXX months (to match the bank Statements used).
Corresponding proof of payments are missing.
|
Please waive for grade B- not required for XXX guides (evidence of one months receipt for each property is in file within their specific
bank account.) - Comp Factors- XXX% LTV, DTI XXX FICO - XXX
|
06/05/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, DTI XXX
FICO - XXX
|
06/08/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE7805
|
Credit
|
Missing Income - Bank Statements
|
File is missing XXX Business Bank Statement for Account #XXX from XX/XX/XXXX-XX/XX/XXXX supporting eligible deposits of $XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
05/20/2026
|
March XXX bank Statement received and matches amount used to qualify. Condition cleared.
|
05/21/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE4104
|
Credit
|
Missing explanation and supporting documentation for large deposit(s)
|
Provide source of large deposit of XXX into XXX #XXX dated XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
05/20/2026
|
Source of large deposit documented as a gift. Per guidelines, gifts are ineligible. Removing large deposit from available assets did not
have a material impact. Condition cleared.
|
05/21/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Waived
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
XXX Expanded XXX does not allow Business Entity Borrowers. The Note is in the name of XXX
|
Please waive for grade B- not required for XXX guides- Comp Factors- XXX% LTV, DTI XXX FICO - XXX
|
05/20/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, DTI XXX
FICO - XXX
|
05/20/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051039
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required XXX Business Narrative.
|
Please waive for Grade B (XXX guides do not require) - Comp factors- LTV XXX%, DTI XXX FICO XXX
|
05/20/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, DTI XXX%
FICO XXX
|
05/20/2026
|
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 XXX% is less than Guideline CLTV 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047573
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Missing the lease agreement for the subject property.
|
Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Provided documentation indicates the property was unoccupied at the time of closingtherefore, no lease agreement is available. Exception
resolved.The appraisal indicates the property was tenant occupied at the time of the valuation. Please provide explanation as to whether this tenant is remaining and if so, please provide copy of a current lease agreement.
|
06/25/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047573
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Missing an established escrow impound account for taxes and insurance.
|
Exception Approved for escrow. Comp Factor :LTV XXX FICO XXX DSCR XXX.
|
06/01/2026
|
Waived per client. Client accept risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX FICO XXX
DSCR XXX.
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049405
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements Per XXX DSCR Guidelines Version XXX ; The borrower is to have no more than XXX day
mortgage late in the past XXX months. The credit report reflects a mortgage with XXX #XXX with a date of last activity of XX/XX/XXXX. The loan file contained a mortgage Statement reflecting this is for property located at XXX with last payment
made on XX/XX/XXXX. The loan file is missing the most the full recent XXX month payment history.
|
Documentation received in XXX review. Document Uploaded. XXX is the supplement for the below mortgage. They only updated the mortgage in
question.
|
06/18/2026
|
Confirmed XXX mos mortgage history as per credit supplement provided, with no mortgage lates within the last XXX mos.Housing History Meets
Guideline Requirements.
|
06/18/2026
|
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
|
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
|
|
|
409049405
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
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 title reflects coverage of XXX which is less than the loan
amount of XXX reflected on the Note.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/17/2026
|
Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX.Client provided Loan Policy Reflecting XXX
amount of insurance. LM Updated.Client provided email from Old Republic Title stating: The final title policy when issued will reflect the loan amount of $XXX. We cannot provide an updated alta supp once escrow has closed. Please provided Final
Title.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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
|
|
|
409049405
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete The XXX Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of
XXX Please provide a fully executed addendum to the XXX Agreement reflecting the updated loan amount to ensure consistency across all loan documentation. In addition, the Tenant Occupied Property Addendum is not initialed by the borrower on
page XXX of XXX and not signed on page XXX of XXX and the loan file is missing page XXX of the XXX.
|
Please waive condition- XXX contracts do not have to reflect the correct loan amount.
|
05/20/2026
|
Client States: Please waive condition- XXX contracts do not have to reflect the correct loan amount.
|
05/20/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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
|
|
|
409049908
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
On XXX transactions, XXX properties must be leased at the time of closing and the borrower must provide evidence that the property has been
leased. Please provide lease agreement.
|
Documentation received, XXX to review. Document Uploaded.
|
06/09/2026
|
Client provided Executed Lease agreement dated XX/XX/XXXX. LM Updated.
|
06/09/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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409049908
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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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ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required EIN and W-XXX for XXX
|
Documentation received, XXX to review. Document Uploaded.
|
05/28/2026
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EIN for the business has been provided. Single XXX entity - W9 in file is sufficient.
|
05/29/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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409050554
|
XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Appraiser to review photos for comp XXX comp XXX and comp XXX ; They
are the same photo but XXX different properties.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded. Please reopen finding -
appraiser to add additional commentary confirming whether these are pre-construction properties or completed. Completed properties will need photos.These are new construction homes, so this is common to use. Please waive condition.
|
06/05/2026
|
Updated comments from the appraiser were provided confirming that properties XXX and XXX were under construction. Condition resolved.The
issue with the property has been resolved.An appraisal was provided however, it did not reflect updated photos for comps XX/XX/XXXX nor was there an explanation from the appraiser.Please reopen finding - appraiser to add additional commentary
confirming whether these are pre-construction properties or completed. Completed properties will need photos.
|
06/05/2026
|
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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B
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C
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A
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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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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B
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A
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A
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|
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409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Waived
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX DSCR guidelines require XXX months
reserves which equals $XXX. Borrower is short $XXX.
|
Please waive for B Grade. XXX has granted exception. COMP FACTORS: • Experienced XXX • DSCR >XXX • FICO >XXX points over minimum
required Emailed seller to see if they want to pursue an exception. DD to reopen findingOur guidelines only require XXX months if the LTV is less than XXX% Please waive condition.
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX •
DSCR >XXX • FICO >XXX points over minimum required Re-opened as requested for review.
|
06/03/2026
|
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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B
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C
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B
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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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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B
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A
|
A
|
|
|
409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Waived
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX DSCR guidelines require XXX months reserves which equals
$XXX. Borrower is short $XXX.
|
Please waive for B grade. XXX has granted an exception. COMP FACTORS: • Experienced XXX • DSCR >XXX • FICO >XXX points over minimum
required Emailed Seller to see if they want to pursue an exception. DD to reopen finding.Our guidelines only require XXX months if the LTV is less than XXX% Please waive condition.
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX •
DSCR >XXX • FICO >XXX points over minimum required.Re-opened as requested for review.
|
06/03/2026
|
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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B
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C
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B
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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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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B
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A
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A
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|
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409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Rescinded
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Prepayment Penalty does not follow stepdown structure required in XXX DSCR v13
|
Please review and rescind. This is a fixed PPP which is allowed by XXX - same guideline as referenced below.;
|
06/01/2026
|
06/01/2026
|
D
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B
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A
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A
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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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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B
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A
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A
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|||
|
409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FCOM1221
|
Credit
|
The Deed of Trust is Incomplete
|
The Deed of Trust is Incomplete Deed of Trust address is XXX XXX-XXX; however, appraisal address and XXX address has zip code as XXX Please
confirm correct zip code for property. If XXX please provide corrected Deed of Trust.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
05/29/2026
|
The zip code on the appraisal was updated and it now matches the Deed of Trust. Condition resolved.The Deed of Trust is Present and Complete
A zip code lookup was provided confirming the zip code of XXX is accurate. Please provide an updated copy of the appraisal with the correct zip code. The appraisal report in file has a zip code of XXX
|
05/29/2026
|
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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B
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D
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A
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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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
|
A
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B
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B
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A
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A
|
|
|
409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FCOM1208
|
Credit
|
The Note is Incomplete
|
The Note is Incomplete Missing Prepay Addendum to Note with details of Prepayment Penalty. Also, note address is XXX-XXX; however, appraisal
address and XXX address has zip code as XXX Please confirm correct zip code for property. If XXX please provide corrected note.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
05/29/2026
|
The zip code on the appraisal has been updated and now matches the zip code on the Note. Condition resolved.The Note is Present The
Prepayment Penalty Addendum was provided and a zip code lookup was provided confirming the zip code of XXX is accurate. Please provide an updated copy of the appraisal with the correct zip code. The appraisal report in file has a zip code of
XXX
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
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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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
|
A
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B
|
B
|
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
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FCRE9780
|
Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Business Purpose Affidavit/Disclosure Missing. Missing Business Purpose Affidavit signed at closing. BPA in file is initial BPA signed at
application. Please provide BPA signed at closing.
|
Documentation received, XXX to review. Document Uploaded.
|
05/22/2026
|
Business purpose affidavit signed at closing was provided. Condition resolved.Business Purpose Affidavit/Disclosure Provided
|
05/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/18/2026
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing. Final 1003 is not in file.
|
Documentation received, XXX to review. Document Uploaded.
|
05/22/2026
|
The Final 1003 is Present
|
05/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
XXX DSCR guidelines require escrows on all loans.
|
Please waive for B grade. XXX granted exception. Comp factors: FICO XXX; DSCR >XXXxcellent mortgage history
|
05/21/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR
>XXX
|
05/21/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
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A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050639
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Rescinded
|
finding-4033
|
Compliance
|
Qualified Mortgage Safe Harbor Threshold
|
This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b) (XXX) , (e) (XXX) his
loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the
repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this
section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for
a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Appraisal requirements not met, missing appraisal delivery receipt XXX days prior to closing. Unable to downgrade.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Non QM loan exception resolved
|
06/25/2026
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
A
|
A
|
C
|
C
|
A
|
A
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C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
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A
|
C
|
B
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||
|
409050639
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Waived
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount
is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is
XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX.
|
ATR Standard loans are not subject to the Points and Fees test; Exception approved for fees:Comp Factors: FICO XXX DTI XXX XXX verified
assets; ; ; ; ATR Standard loans are not subject to the Points and Fees test
|
06/25/2026
|
Client approved an exception to guidelines to allow for points and fees greater than XXX% Client accepts risk for B grade and acknowledges
the following compensating factors for this purpose: FICO XXX DTI XXX verified assets Points and Fees exceed XXX Expanded v12 guidelines. XXX to review.
|
06/25/2026
|
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
|
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
|
|
|
409050639
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
finding-3352
|
Compliance
|
Higher-Priced Mortgage Loan Test
|
This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated
APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some
lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Appraisal requirements not met, missing appraisal delivery receipt XXX days prior to closing. Unable to
downgrade.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Appraisal delivery provided HPML compliant
|
06/25/2026
|
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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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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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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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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409050639
|
XXX
|
XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/03/2026
|
Evidence of appraisal delivery provided.
|
06/03/2026
|
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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B
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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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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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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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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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409050639
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCOM3531
|
Compliance
|
Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6))
|
Evidence of Appraisal Delivery to the Borrower Not Provided. 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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/03/2026
|
Evidence of Appraisal Delivery to the Borrower Provided.
|
06/03/2026
|
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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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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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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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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409049742
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
The Final 1003 reflects an REO on with a mortgage payment of XXX per month. No documentation has been provided to confirm this is the PITIA
amount for that property. The mortgage does appear on the credit reporthowever, it is reflected as a 2nd mortgage and does not confirm escrows are in place and no HOA dues are owed.
|
Document Uploaded. Documentation received in XXX review. Documentation received, XXX to review. Document Uploaded. Documentation received,
XXX to review. Document Uploaded.
|
06/18/2026
|
Lender provided a corrected application/XXX with XXX reflected as sold and the property located at XXX updated with the XXX 2nd lien.
Condition resolved.Received Final HUD for sale of XXX on XXX. Lender explanation located the XXX opened XXX with an initial balance of XXX and a payment of XXX reporting on the credit report is actually a 2nd mortgage on XXX which is disclosed
on the Fraud Report. No additional documentation required for this 2nd lien. Provide a corrected application/XXX with XXX as sold, removal of the XXX listed on XXX property and XXX to reflect the XXX 2nd lien.A credit report supplement was
provided however, this lien is still listed as a 2nd mortgage. Please provide a mortgage Statement for this account and confirm if escrows are in place and whether HOA dues are owed.
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. | 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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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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409049742
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/19/2026
|
Resolved
|
FCRE1304
|
Credit
|
Income 1 Income Trend is Decreasing
|
Income 1 Income Trend is Decreasing Lender to obtain required LOX from borrower addressing the decline in borrower's income. Borrower has
been qualified using XXX months business bank Statements which show a steady but steep decline over last XXX months. The Seller's Fraud Report dated XXX also shows potential decline in qualifying income from XXX per month in XXX to subject
qualifying income through XXX of XXX per month, supporting audit analysis of potentially declining income.
|
Documentation received, XXX to review. Document Uploaded.
|
06/02/2026
|
Income 1 Income Trend is Resolved.Letter of explanation provided by borrower for income fluctuation. Condition resolved.Income 1 Income
Trend is Resolved.
|
06/11/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. | 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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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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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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409049742
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Need XXX months reserves for subject property XXX and need XXX
months reserves for departure residence ($XXX). Need XXX months reserves for all other financed properties ($XXX). ($XXX is required).
|
Documentation received, XXX to review. Document Uploaded.
|
05/27/2026
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.
|
05/28/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
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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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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|
|
409052022
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
U/W comment: Missing required W-XXX Business, " XXX-XXX"
|
Documentation received, XXX to review. Document Uploaded.
|
05/28/2026
|
W-XXX for business has been provided. Condition resolved.
|
05/28/2026
|
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
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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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|
409051052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/19/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow account required. Per First Payment Letter, now escrow account established at closing.
|
Please waive- escrow waiver exception- already priced. Comp factors- XXX DSCR, XXX FICO , Experienced XXX;
|
05/26/2026
|
Waived per client. Client accept risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, XXX FICO ,
Experienced XXX.
|
05/26/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
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
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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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B
|
B
|
A
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A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
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|
|
409051750
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Per XXX DSCR Guidelines Version XXX properties must be leased at the time of closing and the borrower must provide evidence that the
property has been leased. The subject property is located at XXX XXX. The appraisal reflected the subject property had a ADU. The loan file contained XXX leases: XXX XXX and XXX XXX. The loan file does not contain any documentation to confirm
the ADU has the address of XXX XXX, which is different from the subject.
|
Documentation received, XXX to review. Document Uploaded. Please see XXXmaps screenshots, which show both addresses on the same parcel and
hopefully that will clear the issue. TYDocumentation received, XXX to review. Document Uploaded. Please see XXX;
|
05/28/2026
|
Client provided XXX Maps search for both addresses. Both addresses appear to be the same parcel/address. LM Updated. Client re-uploaded
Leases from file. Per XXX DSCR Guidelines Version XXX properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject property is located at XXX XXX. The appraisal reflected
the subject property had a ADU. The loan file contained XXX leases: XXX XXX and XXX XXX. The loan file does not contain any documentation to confirm the ADU has the address of XXX XXX, which is different from the subject.
|
05/28/2026
|
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
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A
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A
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D
|
D
|
C
|
A
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D
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D
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C
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A
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D
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D
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C
|
A
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D
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D
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C
|
A
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D
|
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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409051750
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE2008
|
Credit
|
Rent Loss Coverage Not Sufficient
|
The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No,
indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per XXX DSCR Program Eligibility Guide v13, all loans require rent loss insurance coverage of a minimum of XXX
months for the subject property. The landlord insurance declaration page for the subject property, XXX XXX, reflects Fair Rental Value coverage of XXX Based on the PITI of XXX ; The required XXX months of rent loss coverage is XXX ; The current
Fair Rental coverage is short by $XXX. Additionally, the file contains a separate policy for XXX XXX reflecting Fair Rental Value coverage of $XXX; however, the appraisal and Note only reference XXX XXX. Pleas provide updated insurance coverage
for XXX XXX meeting the required XXX months of rent loss coverage, or provide documentation confirming the XXX XXX policy applies to and may be relied upon for the subject property/collateral.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX***Exception may not be required - Additional Information Needed for
Exception. Must provide documentation of ADU address on subject property. Appears XXX XXX's ADU address is XXX XXX. Provide documentation addresses are both on XXX XXX' (both addresses valid with USPS) Exception Pending XXX review. Please note
there maybe impact to pricing.Please review and advise on an exception;
|
05/28/2026
|
Loss Rent Coverage is SufficientClient provided XXX Maps search for both addresses. Both addresses appear to be the same parcel/address. LM
Updated.Exception Pending XXX review. Please note there maybe impact to pricing.
|
05/28/2026
|
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
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A
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A
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D
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D
|
C
|
A
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D
|
D
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C
|
A
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D
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D
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C
|
A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051750
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: The loan file contained the appraisal for the subject propertyhowever, it reflects the city as XXX
and all other documentation in the file reflects city as XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
05/26/2026
|
Property/Appraisal Meets GuidelinesClient provided Updated Appraisal Report Reflecting XXX as the City. LM Updated.
|
05/26/2026
|
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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C
|
A
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D
|
A
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C
|
A
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A
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A
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D
|
D
|
C
|
A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051750
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Rescinded
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Spousal Consent
|
DD to review DOT and Trust Documents. DOT signed by borrower spouse.;
|
05/26/2026
|
Client States: DD to review DOT and Trust Documents. DOT signed by borrower spouse.
|
05/26/2026
|
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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C
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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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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409049740
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FPRO1136
|
Property
|
Subject property appraisal is not on an as-is basis (Primary Value)
|
Primary Value Subject Property Appraisal is not on an As-Is Basis Missing appraisal update to confirm instillation of smoke and XXX monoxide
detectors per State and local code
|
Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/11/2026
|
Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX.Received Completion cert with photos that smoke detectors and
XXX monoxide detectors installed.A letter from the loan officer was provided. The appraisal is subject to the installation of smoke and XXX monoxide detectors per State/local code. Please provide the Appraisal Completion Certificate FNMA form
XXX with photos from appraiser.
|
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
|
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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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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/21/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative.
|
Please waive for B grade - XXX has granted exception. COMP FACTORS: • FICO XXX • DTI XXX (using XXX% expense factor) • XXX mortgage history
Thank you, XXX?; ; Documentation received in XXX review. Document Uploaded. Please grant us an exception as this is not a requirement per our guidelines.;
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DTI
XXX (using XXX% expense factor) • XXX mortgage history.Lender provided a recent bank Statement and a LOE regarding a name change for the Borrower XXX months ago. Please provide the missing business narrative form. Client to approve Exception
and provide compensating factors.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
B
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D
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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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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
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C
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D
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D
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C
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C
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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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B
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A
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A
|
|
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409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount
is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is
XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Non-QM loan per CE page XXX
|
DD to reopen finding. XXX will review for possible exception; Per our Compliance team, this is a Non-QM loan, so the test should not be
applicable. Please waive. Thank you!
|
06/29/2026
|
Loan designation declared as NQM. Exception resolved.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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B
|
C
|
A
|
D
|
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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D
|
D
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C
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C
|
D
|
D
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C
|
C
|
D
|
D
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C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Waived
|
FCRE8611
|
Credit
|
Income/Employment General
|
Business Narrative Document is missing in file.
|
Please waive for B grade - XXX has granted exception. COMP FACTORS: • FICO XXX • DTI XXX (using XXX% expense factor) • XXX mortgage history
Thank you, XXX Please grant us an exception as this is not a requirement per our guidelines.;
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DTI
XXX (using XXX% expense factor) • XXX mortgage history.Client to approve Exception and provide compensating factors.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
B
|
D
|
B
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines XXX Business bank Statement provided only covers XXX months; guidelines require XXX consecutive
months business bank Statements. XXX ; The lender's bank Statement income worksheet does not match the income reflected on the XXX Additionally, the worksheet appears to use XXX% expense factor based on the CPA letter; however, per XXX Expanded
Guidelines, the expense factor can never be less than XXX% Please provide an updated income worksheet and corrected and corrected XXX reflecting income calculated in accordance with guideline requirements.
|
Documentation received, XXX to review. Document Uploaded. The borrower closed one acct and started a new one XXX are both income worksheets
with updated 1003/XXX?; ; Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Updated 1003/XXX was provided and it now matches the income from the lender's income worksheet. Condition resolved.Income and Employment
Meet GuidelinesXXX ; The guidelines require XXX consecutive monthly bank Statements. The missing 12th month bank Statement for April XXX was not provided. It should be noted that the lender's updated income calculation worksheet they provided
shows they used XXX for monthly deposits for April XXX ; There is a printout of recent transactions for the month of April for this account in file, but it is not an official monthly Statement. XXX ; The income worksheet provided by the lender
shows they are now using a XXX% expense ratio, which equaled XXX monthly income. However, the updated 1003 and XXX shows a different income figure of XXX per month. Please provide a corrected 1003/XXX that matches the figure calculated on the
income worksheet.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing complete XX/XX/XXXX bank Statement for account ending in #XXX. The interim
Statement provided id a transaction history and does not include a beginning or ending balance; therefore, it does not meet guideline requirements.
|
Documentation received, XXX to review. Document Uploaded. Please waive, per income worksheet we are not using the April bank Statement.
|
06/29/2026
|
Sufficient documentation was provided for this account. Condition resolved.Asset Record XXX Meets G/L Requirements Or XXX.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE1344
|
Credit
|
Borrower 1 Business Bank Statements Less Than XXX Months Provided
|
Account #XXX Less Than XXX Months Provided in File.
|
Documentation received in XXX review. Document Uploaded. Documentation received in XXX review. Document Uploaded. Please reopen finding.
April XXX is needed to complete XXX mo from XXX.Acct #XXX was closed and Acct # XXX was opened;
|
06/17/2026
|
Documentation provided is acknowledged. Exception resolvedReceived Lender income worksheet which includes April XXX Statement. Provide April
XXX Statement. The loan file contains a transaction history from XXX - XXX. XXX Expanded guidelines require the actual Statement, transaction histories are not acceptable. Per client request to reopen finding: April XXX is needed to complete
XXX mo from XXX.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP FNMA and FHLMC is missing from file.
|
Documentation received, XXX to review. Document Uploaded.
|
05/27/2026
|
Third party valuation product provided within tolerance.Client provided FNMA and XXX SSRs. LM Updated.
|
05/27/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
C
|
A
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050966
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing verification of XXX and Interest and Insurance on property located at XXX
|
Documentation received, XXX to review. Document Uploaded. Updated 1003 along with Statement showing loan just closed and payment coupon; ; ;
Documentation received, XXX to review. Document Uploaded. Taxes and HOA for XXX property along with Settlement Statement from the XXX showing the insurance premium for the property.;
|
06/01/2026
|
Evidence of payment amount and corrected 1003 were provided. Condition resolved.Lender provided documentation of the taxes, insurance and
HOA dues for this property. Please provide evidence of the P&I payment on XXX. Also, both the initial and final loan application reflect the street address as XXX; however, the documents for the TIA payment reflect the street address as
XXX. Please provide updated loan application with the correct street address of XXX vs XXX.
|
06/01/2026
|
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
|
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
|
|
|
409049672
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing form W-XXX for business entity.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Business entity formation document providedW9 provided for business entity is complete.
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409049672
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Rescinded
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty. Missing the Personal Guaranty.
|
Documentation and comment received in XXX review. Document Uploaded. The note/"Personal Guaranty" shows borrower signed as individual and as
a XXX of the business therefore this should not be required.
|
06/25/2026
|
The note/"Personal Guaranty" shows borrower signed as individual and as a XXX of the business therefore this should not be required.Personal
Guaranty provided.
|
06/25/2026
|
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
|
||
|
409051047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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||||||||||||
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409051171
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing borrowers percentage of ownership.
|
Documentation received, XXX to review. Document Uploaded.
|
06/11/2026
|
Client provided CPA letter verifying previous XXX years in business and XXX Incorporated XX/XX/XXXX with the Borrower as XXX% XXX. LM
Updated.
|
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
|
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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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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409051124
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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: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
finding-4033
|
Compliance
|
Qualified Mortgage Safe Harbor Threshold
|
This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b) (XXX) , (e) (XXX) his
loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the
repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this
section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for
a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. No Cure required. HPML with established escrows and appraisal requirements met
|
Pending Review with XXX Compliance. DD to reopen pending review.; This is a non-qm loan
|
06/26/2026
|
XXX Expanded v12 allows HPML and loan meets all HPML requirements. Finding is resolved. Updated status to Open per XXX request.
|
06/26/2026
|
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
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B
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B
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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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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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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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B
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A
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A
|
|
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409051124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
05/20/2026
|
Waived
|
FCRE1199
|
Credit
|
Audited Loan Amount is greater than Guideline Maximum Loan Amount
|
Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX
|
Document Uploaded. DD to waive for B Grade. Exception approved. Comp Factors: XXX Mos PITIA reserves XXX% DTI XXX FICO No Mortgage Lates in
last XXX months XXX per monthnth residual income. XXX to review for exception. HB allows XXX% LTV for Loan amount up to $XXX with XXX FICO for alt doc.;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Mos PITIA
reserves, XXX% DTI, XXX FICO , No Mortgage Lates in last XXX months and XXX per monthnth residual income.
|
06/26/2026
|
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
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B
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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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B
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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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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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B
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A
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A
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|
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409051124
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
05/21/2026
|
Resolved
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete Missing Contract of Sale Addendum amending Seller's Contribution of Closings Cost of XXX to
XXX to match Final CD.
|
Documentation received, XXX to review. Document Uploaded.
|
06/04/2026
|
XXX Contract Doc is complete.Client provided Addendum No. XXX reflecting Sellers contribution to Buyers closing costs, as outlined in
Addendum No. XXX (Closing Costs Addendum) , is reduced from XXX to XXX All other terms of the REPC and prior addenda remain unchanged. LM Updated.
|
06/04/2026
|
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
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B
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B
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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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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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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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B
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A
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A
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|
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409047886
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Per Guidelines all the following Business documents are required: Operating Agreement, EIN, Articles of Organization, Certificate of Good
Standing and W-XXX for LLC and XXX
|
Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded. Documentation received,
XXX to review. Document Uploaded.
|
06/25/2026
|
Received executed W-XXX for XXX. Exception Resolved. Client provided W-XXX for XXX. However, the Entity is XXX. Still need Executed W-XXX
reflecting EIN for XXX. Client provided Certificate of XXX Review, Operating Agreement, Certificate of Organization and IRS EIN assignment. Still need Executed W-XXX reflecting EIN.
|
06/26/2026
|
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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B
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D
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A
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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|
|
409047886
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per XXX Website. Per XXX guidelines, properties designated as rural per
XXX ineligible.
|
Comp factors for exception • FICO XXX • DSCR >XXX • Experienced XXX?; ; Document Uploaded. Exception approved.;
|
05/28/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR
>XXX, Experienced XXX An exception request was uploaded. Please provide compensating factors.
|
05/28/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
A
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C
|
B
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A
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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|
|
409050973
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/22/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Missing evidence of rate lock.
|
Document Uploaded.
|
06/02/2026
|
Rate lock provided. Finding is resolved.
|
06/02/2026
|
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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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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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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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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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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A
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A
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A
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|
|
409050973
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Rescinded
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. XXX not in file
|
Document Uploaded. Documentation received, XXX to review.;
|
06/02/2026
|
XXX Application provided in original file. Exception Rescinded.
|
06/02/2026
|
D
|
A
|
A
|
A
|
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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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
|
D
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D
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A
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D
|
D
|
D
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A
|
D
|
D
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D
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A
|
D
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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
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A
|
A
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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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||
|
409050973
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Resolved
|
FCRE8506
|
Credit
|
Application Profile Missing
|
XXX. IN - MISSING, XXX.) Art of Org - MISSING, XXX.) Cert of Good Standing - MISSING, XXX.) W9 - MISSING
|
Document Uploaded. Documentation received, XXX to review.;
|
06/02/2026
|
Received W-XXX with EIN, Articles and Evidence the LLC is in good standing. Exception Resolved.
|
06/02/2026
|
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
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A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
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A
|
D
|
D
|
D
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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
|
|
|
409050973
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/22/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing formation docs: Articles of Organization, EIN, W9, Good standing.
|
Document Uploaded. Documentation received, XXX to review.;
|
05/29/2026
|
Client provided Certificate of Organization, Certificate of Good Standing and Executed W-XXX for XXX reflecting EIN. LM Updated.
|
05/29/2026
|
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
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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
|
D
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A
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D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050973
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. No borrower identification in file.
|
Documentation received, XXX to review. Document Uploaded.
|
05/29/2026
|
Photo Identification provided.Client provided Borrower's XXX's License. LM Updated.
|
05/29/2026
|
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
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A
|
D
|
D
|
D
|
A
|
D
|
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
|
|
|
409051190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/26/2026
|
Waived
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Only one month of asset Statements provided for XXX dated XX/XX/XXXX, XXX dated
XX/XX/XXXX, XXX dated XX/XX/XXXX and XXX dated XX/XX/XXXX.
|
Please waive for B grade. XXX has granted exception. COMP FACTORS: • FICO >XXX points above minimum • PITIA / ITIA reserves above program
minimum by six XXX months or higher • Experienced XXX?; ; Documentation received, XXX to review. Document Uploaded. Requesting an exception for the assets, our guidelines only require XXX month. Freddie SSR Uploaded.
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO >XXX points
above minimum • PITIA / ITIA reserves above program minimum by XXX months or higher • Experienced XXX.
|
06/03/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/20/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP document not available in file. Missing Third Party
Valuation document such as XXX Desk Review.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/03/2026
|
CDA report provided and within tolerance. Condition resolved.Third party valuation product provided within tolerance.The XXX LCA score was
provided. Please provide evidence of the Fannie CU score as required by the XXX guidelines or evidence of a CDA/CCA report.
|
06/03/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050965
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing Title document is missing in loan file
|
Document Uploaded. Documentation received in XXX review.;
|
05/26/2026
|
Title Document is fully Present
|
05/26/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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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409050010
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/22/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing Articles of incorporation, certificate of good standing, business W9
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Received Cert of Formation/Articles and W-XXX for LLC. Exception Resolved. Client provided Certificate of Good Standing. Still need Articles
of incorporation and Executed business W9 reflecting EIN.
|
06/23/2026
|
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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409049941
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% Audited CLTV of XXX% exceeds Guideline CLTV of XXX% (Borrower is a XXX time XXX)
|
Exception approved for LTV: Comp factors: DSCR XXX FICO XXX months reserve. Documentation received, XXX to review. Document Uploaded.
|
06/18/2026
|
Client approved an exception to allow for LTV that exceed guidelines. Client accepts risk for B grade and acknowledges the following
compensating factors for this purpose: DSCR XXX FICO XXX months reserves.Condition status reopened. XXX to review for an exception. Audited LTV of XXX% is less than or equal to Guideline LTV of XXX%Client States: Our borrower’s FICO scores
were: XXX median for XXX and XXX for XXX. Lowest median score: XXX ; The borrower’s Debt Service Coverage Ratio (DSCR) is XXX ; The guidelines enclosed State that a borrower with a XXX loan, investment, XX/XX/XXXX unit with a minimum FICO of
XXX is allowed up to XXX% LTV with a DSCR ratio of XX/XX/XXXX with a maximum loan amount of XXX took the XXX% off the maximum LTV of XXX% which would be XXX% LM Updated.
|
06/18/2026
|
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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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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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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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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B
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A
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A
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|
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409049969
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/21/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Missing required letter from CPA to justify XXX% expense ration usage.
|
Document Uploaded. Method XXX uses XXX% which is not less than XXX?; ; Documentation received in XXX review. Document Uploaded. See XXX
income calc. We used method XXX which does not require a ratio suspense Documentation received, XXX to review.;
|
06/10/2026
|
Income and Employment Meet Guidelines.Client provided Revised Bank Statement income calculation Reflecting XXX% and appox. XXX% expense
ratio, 1003 and XXX LM Updated.Updated status per XXX request. Client States: Document Uploaded. See XXX income calc. We used method XXX which does not require a ratio suspense. XXX Expanded Eligibility Guide v12 - Alternative Income
Documentation Requirements - Signed and dated 3rd party P&L covering the same dates as the bank Statements from a CPA or a Third-Party Tax Preparer. UNLESS the fixed expense ratio is used for qualifying as listed in Business Bank Statement
section. (Expense factor can never be less than XXX%).
|
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
|
D
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B
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C
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A
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D
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B
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A
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A
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C
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B
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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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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
|
|
|
409049969
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/22/2026
|
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 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. The COC dated XX/XX/XXXX wasn't accepted because the fee was added on CD XX/XX/XXXX but per the appraisal invoice on page XXX ; The borrower was charged XXX on XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/08/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
06/08/2026
|
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
|
B
|
C
|
B
|
D
|
B
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A
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A
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C
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B
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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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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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|
|
409049969
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/22/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-XXX from sale of non-subject property
|
Missing final CD for sale of REO- XXX - have preliminary missing final.
|
Documentation received, XXX to review. Document Uploaded.
|
06/03/2026
|
Final Settlement Statement provided. Condition resolved.
|
06/03/2026
|
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
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B
|
D
|
A
|
D
|
B
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A
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A
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C
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B
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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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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
|
B
|
B
|
B
|
A
|
B
|
|
|
409049969
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/26/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required business narrative for XXX expanded bank Statement program
|
Please waive for Grade B (XXX does not require) - Comp factors XXX Score, XXX% LTV, XXX% DTI;
|
05/27/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Score, XXX%
LTV, XXX% DTI
|
05/28/2026
|
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
|
B
|
D
|
B
|
D
|
B
|
A
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A
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C
|
B
|
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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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
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A
|
B
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B
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B
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A
|
B
|
B
|
B
|
A
|
B
|
|
|
409052927
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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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||||||||||||
|
409051457
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required Executed W-XXX for LLC and certificate of Good Standing required by XXX DSCR guidelines.
|
Please waive for Grade B (XXX guides) - Comp factor- XXX% LTV, XXX DSCR, FICO XXX?; ; Documentation received, XXX to review. Document
Uploaded. • This loan was underwritten to the XXX (Alt-A) DSCR XXX Yr Fixed program. The WX form is not a requirement, however, the good standing has been provided.;
|
06/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, XXX DSCR,
FICO XXX.Client provided Certificate of Subsistence / Good Standing. Still need Executed W-XXX reflecting EIN. XXX XXX - Eligible Borrowers - Required for all Borrowers/Guarantors - Executed W-XXX.
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
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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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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D
|
D
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A
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D
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B
|
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
|
A
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B
|
B
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A
|
A
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B
|
B
|
A
|
A
|
|
|
409051457
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/21/2026
|
Resolved
|
FCOM4247
|
Compliance
|
Missing HUD-XXX Closing Statement
|
Missing final CD or executed Settlement Statement.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX. Thank you!
|
05/28/2026
|
Final HUD provided. Finding is resolved.
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
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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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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D
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D
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A
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D
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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
|
B
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A
|
A
|
|
|
409050898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/26/2026
|
Waived
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Prepayment Penalty structure does not meet XXX DSCR XX/XX/XXXX guidelines. XXX month interest penalty must be a XXX-year fixed term.
|
Document Uploaded. XXX: DD to waive for B Grade. Exception Approved. Comp Factors: XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX
months XXX most PITIA reserves.Post Close Exception in Review by XXX.;
|
07/02/2026
|
Exception provided and reviewed. DD to waive for B Grade. Exception Approved. Comp Factors: XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in
last XXX months XXX most PITIA reserves.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
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
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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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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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B
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A
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A
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|
|
409051263
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
|
||||||||||||
|
409050309
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/26/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Percentage of ownership is missing for business.
|
Document Uploaded. K1 showing OwnershipDocumentation received in XXX review. Document Uploaded. Documentation received, XXX to review.
Document Uploaded. Documentation received, XXX to review. Document Uploaded. Borrower is sole XXX?; ; Documentation received, XXX to review.;
|
06/17/2026
|
Client provided K-XXX for XXX Reflecting XXX% Ownership for the Borrower. LM Updated.Client provided K-XXX. However, K-XXX is cut-off or
missing Ownership Percentage. Client provided Business Filing Details Reflecting XXX, LLC dated XX/XX/XXXX. However, it does not reflect the Borrower's percentage of Ownership.
|
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% | 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
|
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
|
|
|
409050309
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/26/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded. Bus License;
|
05/29/2026
|
Borrower 1 3rd Party VOE Prior to Close Was Provided.Client provided Business Filing Details Reflecting XXX, LLC dated XX/XX/XXXX. LM
Updated.
|
05/29/2026
|
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
|
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
|
|
|
409051169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/26/2026
|
Resolved
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty. Guaranty document is required
|
Documentation received, XXX to review. Document Uploaded. signed and notarized Personal guarantee XXX for file clearance and ready to fund
Thanks so much
|
06/11/2026
|
Personal Guaranty provided.Client provided Executed and Notarized Personal Guaranty. LM Updated.
|
06/25/2026
|
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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
06/24/2026
|
Rate lock has been provided. Condition resolved.
|
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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/26/2026
|
Resolved
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Business W9 missing, Articles of Incorporation missing
|
Document Uploaded. Filing certificate uploaded, XXX to review. Document Uploaded. Document Uploaded. W-XXX?; ; Documentation received in XXX
review.We are missing Cert of Formation/Articles of Incorporation from State of XXX for XXX. These can be pulled at XXX?; ; Document Uploaded. Hi These docs were all shipped with the initial closing package But I uploaded here XXXuplicate
documents provided - we are missing Cert of Formation/Articles of Incorporation from State of XXX. These can be pulled at XXX - DD to reopen finding*** Certificate of formation is needed for XXX (like what uploaded for XXX for Correct entity).
Please provide and can review for exception for W9.Documentation received, XXX to review. Document Uploaded. Updated - Cert of Formation uploaded was not for entity. Please provide for XXX.Pending Review of Cert of Formation from DD - W9
Exception to be reviewedDocument Uploaded. it was established through email with XXX that the State of XXX doesn't provide articles of Inc so I provided the formation of LLC do you know if the exception has been granted? Document Uploaded. Is
the exception being worked on forW9 as this was sent over to XXX & team XXX & others on thurs XX/XX/XXXX?; ; Documentation received in XXX review. Document Uploaded. Documentation received, XXX to reviewAble to consider exception for W9
with IRS EIN Issuance letter provided. Articles of Incorporation will be required to consider exception.;
|
06/24/2026
|
Received Cert of Formation and LLC W-XXX. Exception Resolved. Client provided Operating Agreement, IRS EIN assignment, Short Form Standing
and Loan Authorization Resolution for XXX. XXX to review for W9 Exception.Client provided Short Form Standing for XXX. Still need Cert of Formation / Articles of Incorporation for XXX. Able to consider exception for W9 with IRS EIN Issuance
letter provided. Articles of Incorporation will be required to consider exception.The Client provided Certificate of Formation for XXX. The Entity name for this file is XXX. Client provided Short Form Standing from State of XXX XXX. Able to
consider exception for W9 with IRS EIN Issuance letter provided. Articles of Incorporation will be required to consider exception.Client provided Short Form Standing from XXX. Able to consider exception for W9 with IRS EIN Issuance letter
provided. Articles of Incorporation will be required to consider exception.
|
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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Waived
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Only one month of asset Statements provided for XXX dated XX/XX/XXXX.
|
DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement provided for assets used to qualify. Comp Factors: XXX FICO
XXX mos PITIA reserves;XXX DSCR;
|
06/24/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves;XXX DSCR.
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050434
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue Missing Spousal Consent form.
|
Documentation received, XXX to review. Document Uploaded.
|
06/05/2026
|
Client provided Letter from XXX & XXX, stating: To Whom It May Concern, This letter is written to confirm that spousal consent is not
required for XXX’s files that held title under XXX XXX because XXX is not a community property State, like XXX. The property is under LLC, and the spouse is not a XXX of the LLC. Should you need further assistance, please feel free to contact
our office. Verified XXX is not a community property State. LM Updated.
|
06/05/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409050434
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Exception approved on page XXX to waive impound requirements. No compensating factors were provided.
|
DD to waive for B Grade. Exception Approved. Comp Factors: Experienced XXX FICO DSCR greater than or equal to 10x, Currently priced with
escrow waiver.;
|
05/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX
FICO and DSCR greater than or equal to 10x
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050436
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/26/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Exception approved on page XXX to waive impound requirements. No compensating factors were provided.
|
DD to waive for B Grade. Preclose Exception Approved. Comp Factors: Experienced XXX FICO DSCR greater than or equal to 10x, Currently priced
with escrow waiver.;
|
06/05/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO DSCR
greater than or equal to 10x
|
06/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050436
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Rescinded
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue Missing Spousal Consent form.
|
Documentation received, XXX to review. Document Uploaded.
|
06/05/2026
|
Property is not in a community property State. Spousal consent XXX. Condition rescinded.Property Title Issue Resolved
|
06/05/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409050436
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
06/05/2026
|
Rate lock provided. Condition resolved.
|
06/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409049868
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1248
|
Credit
|
XXX is not considered to be an Arm's Length Transaction
|
XXX is not considered to be an Arm's Length Transaction Provide updated appraisal report reflecting notation on if property is considered an
Arm's Length Transaction.
|
Document Uploaded. Documentation received, XXX to review.Appraiser commentary on the contract is a requirement. Please reopen finding.From
Management • Appraisers are not obligated to arbitrarily State whether or not this is an arm’s length transaction, and there is no reason to believe it’s not.;
|
06/23/2026
|
Appraiser commented Non-Arms Length on the appraisal. XXX is considered to be an Arm's Length Transaction, or XXX.Appraiser commentary on
the contract is a requirement. Please reopen finding.The appraiser did not comment if the subject transaction is arms length or non-arms length. Please provide.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049868
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Rescinded
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty. Provide Personal Guaranty not contain in loan file.
|
06/23/2026
|
The borrower signed the Note as an individual and as a XXX. Finding is rescinded. Personal Guaranty provided.
|
06/23/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409049868
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Provide Operating Agreement, not contained in loan file.
|
Please waive for B Grade - XXX has granted exception. COMP FACTORS: XXX • FICO >XXX points above minimum XXX • DSCR >XXX • Experienced
XXX XXX reviewing. DD please reopen finding• Operating agreements are not required for an LLC in XXX. See our guide XXX
|
06/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO >XXX
points above minimum XXX • DSCR >XXX • Experienced XXX. XXX reviewing. DD please reopen finding.
|
06/10/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051560
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409050430
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Rescinded
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue Missing Spousal Consent form.
|
Documentation received, XXX to review. Document Uploaded.
|
06/05/2026
|
Client provided Letter from XXX & XXX, stating: To Whom It May Concern, This letter is written to confirm that spousal consent is not
required for XXX’s files that held title under XXX XXX because XXX is not a community property State, like XXX. The property is under LLC, and the spouse is not a XXX of the LLC. Should you need further assistance, please feel free to contact
our office. Verified XXX is not a community property State. LM Updated.
|
06/05/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409050430
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/26/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Exception approved on page XXX to waive impound requirements. No compensating factors were provided.
|
DD to waive for B Grade. Preclose exception granted for escrow waiver. Comp Factors: Experienced XXX FICO DSCR greater than or equal to 10x,
Currently priced with escrow waiver.;
|
05/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX
FICO and DSCR greater than or equal to 10x
|
05/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051696
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Waived
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The guideline requires First-Time XXX to have a minimum of XXX
months of reserves. Audited reserves are $XXX; however, guideline required reserves are $XXX. Reserves are short by XXX and do not meet the XXX-month reserve requirement. XXX.
|
Document Uploaded. XXX: DD to waive for B Grade. Approved exception XXX. Comp Factors: XXX% LTV XXX DSCR; XXX FICO ; No Mortgage Lates in
Last XXX months.;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX DSCR;
XXX FICO .
|
06/12/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051696
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Waived
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The guideline requires First-Time XXX to
maintain a minimum of XXX months of reserves. Audited reserves support XX/XX/XXXX months, which is XXX months short for the required reserve requirement.
|
XXX: DD to waive for B Grade. Approved exception XXX. Comp Factors: XXX% LTV XXX DSCR; XXX FICO ; No Mortgage Lates in Last XXX months.;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX DSCR;
XXX FICO .
|
06/12/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051532
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Rescinded
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete The XXX Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of
XXX Please provide a fully executed addendum to the XXX Agreement reflecting the updated loan amount to ensure consistency across all loan documentation.
|
Please waive. XXX does not require the loan amount on the XXX contract to match the note.;
|
06/17/2026
|
Client States: Please waive. XXX does not require the loan amount on the XXX contract to match the note.
|
06/17/2026
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409051532
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The loan file is missing the Third Party Valuation.
|
Document Uploaded. Documentation received, XXX to review.
|
06/17/2026
|
Third party valuation product provided within tolerance.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051532
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.
|
Please review - XXX Alt Doc guidelines require XXX mo subject + XXX mo other financed property for LTV <XXX Please grant us an exception,
our guidelines only require XXX months reserves. Thank you.
|
06/04/2026
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.Client States: Please review - XXX Alt Doc guidelines
require XXX mo subject + XXX mo other financed property for LTV <XXX. Verified. LM Updated.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051532
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s)
|
Please review - XXX Alt Doc guidelines require XXX mo subject + XXX mo other financed property for LTV <XXX Please grant us an exception,
our guidelines only require XXX months reserves. Thank you.
|
06/04/2026
|
Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) Client States: Please
review - XXX Alt Doc guidelines require XXX mo subject + XXX mo other financed property for LTV <XXX. Verified. LM Updated.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051532
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Only one month of asset Statements provided for XXX dated XX/XX/XXXX.
|
XXX considering exception. Please reopen findingPlease grant us an exception, we only require one month. Thank you.
|
06/05/2026
|
Asset Qualification Meets Guideline Requirements. XXX considering exception. Please reopen finding.
|
06/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051532
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FVAL8946
|
Property
|
Missing Appraisal
|
Per XXX v12, a transferred appraisal is allowed with the following requirements: Copy of appraiser's license, Copy of appraiser's E&O
insurance declaration page, AIR certification from the appraisal management company who facilitated the order and Assignment letter from previous lender. The loan file contained the appraisal, appraiser's license, appraisers E&O insurance
and an appraisal release. The loan file did not contain all documentation required.
|
Documentation received, XXX to review. Document Uploaded.
|
06/04/2026
|
Client provided AIR certification from the appraisal management company who facilitated the order and Assignment letter from previous
lender.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050552
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Valuation Product, CU score greater than
XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/05/2026
|
Third party valuation product provided within tolerance.Client provided XXX. LM Updated.
|
06/25/2026
|
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
|
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
|
|
|
409051466
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/25/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
The condo approval and the appraisal report have differing data regarding the total XXX, total XXX sold and closed, management, etc. Please
provide updated data on either the condo approval or the appraisal so that this information is consistent.
|
Documentation received in XXX review. Document Uploaded. ADDED BY DD ON CONFIMATION OF CONDO XXX ON XX/XX/XXXX - The condo approval and the
appraisal report have differing data regarding the total XXX, total XXX sold and closed, management, etc. Please provide updated data on either the condo approval or the appraisal so that this information is consistent.
|
07/01/2026
|
Updated appraisal provided. Finding is resolved. Property/Appraisal Meets Guidelines.
|
07/01/2026
|
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
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051466
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO0951
|
Property
|
Condo Approval Missing
|
Condo Approval Missing. Condo approval is Missing from file.
|
Document Uploaded. condo questionnaire attaachedDocumentation received, XXX to review.;
|
06/22/2026
|
Condo Approval is provided.
|
07/01/2026
|
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
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051466
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy Master policy not in file. Property is a classified as a condo and appraisal is on XXX form for condos.
|
Documentation received, XXX to review. Document Uploaded. see attache Evidence of HO6 policy.
|
06/22/2026
|
HO-6 Master Insurance Policy is fully present.The HO6 policy is in the file; however, the Master Insurance Policy was not present.
|
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
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051466
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary.
|
Documentation received, XXX to review. Document Uploaded. underwriting summary uploaded;
|
06/10/2026
|
XXX XXX/approval provided in original file. Exception Rescinded.
|
06/10/2026
|
D
|
A
|
A
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409051466
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
06/02/2026
|
Rate lock provided. Condition resolved.
|
06/02/2026
|
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
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409050678
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
MISSING ALL VESTING LLC DOCUMENTS: - SSX/EIN, Articles of Org, Operating Agreement, Cert of Good Standing and Business WX
|
Please waive for grade B- comp factor- XXX months reserves, XXX% LTV, Score XXX?; ; Document Uploaded. Documentation received, XXX to
review. Document Uploaded. Document Uploaded. Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to reviewDocument Uploaded. Documentation received, XXX to review.;
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX months
reserves, XXX% LTV, Score XXX.The W-XXX is in the individual borrower's name. Please provide the W-XXX in the name of the LLC.Received evidence of EIN assignment. Provide W-XXX in LLC name.The lender provided an email where the borrower lists
his EIN. Please provide EIN on official tax form or filing document. Also, the W-XXX for the business was not provided. Condition remains open.Lender uploaded documents related to the Articles of Organization, Operating Agreement and evidence
of current good standing. However, the EIN and the WX for the business are still required.
|
06/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050678
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% Loan out of Scope: First time XXX requires a XXX% LTV decrease. Program max LTV XXX% with
downgrade LTV cannot exceed XXX%
|
Document Uploaded. Exception approved for LTV- comp factors - XXX score, borrowers mortgage history goes back to XXX with XXX, XXX months of
reserves.
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX score,
borrowers mortgage history goes back to XXX with XXX, XXX months of reserves.
|
06/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053643
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053643
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053643
|
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
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053644
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053644
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053644
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053646
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
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
|
|||
|
409053646
|
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
|
05/28/2026
|
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
|
|||
|
409053646
|
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
|
05/28/2026
|
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
|
|||
|
409053648
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
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
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A
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409053648
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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
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
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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409053648
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
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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409053654
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
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.
|
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409053654
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
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.
|
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409053654
|
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
|
05/28/2026
|
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.
|
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|||
|
409053655
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
|
409053655
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
|
409053655
|
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
|
05/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
|
409053657
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
|
409053657
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053657
|
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
|
05/28/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
A
|
A
|
|||
|
409053661
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
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
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A
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A
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A
|
A
|
A
|
|||
|
409053661
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409053661
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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
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A
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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
|
|||
|
409053662
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053662
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053662
|
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
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053664
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
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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409053664
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
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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|||
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409053664
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
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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|||
|
409053667
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
|
409053667
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
|
409053667
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409053668
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Cured
|
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 zero tolerance violation in the amount of XXX is due to Addition of the Appraisal Review Fee of XXX to the LE dated XX/XX/XXXX. UCDP submission showing score of XX/XX/XXXX was done on XX/XX/XXXX, yet fee was not added within XXX
days of the submission. 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 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. Please see the XXX redisclosure package.
|
06/02/2026
|
cure package provided, exception downgraded to a 2/B Cure package provided, exception downgraded to a 2/B
|
06/03/2026
|
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
|
|
|
409053668
|
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
|
05/28/2026
|
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
|
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
|
|||
|
409053668
|
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
|
05/28/2026
|
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
|
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
|
|||
|
409053672
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Cured
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation
in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on final CD XX/XX/XXXX with no corresponding COC information on pages XXX-XXX. Lender paid Fee added on Initial CD and removed from final CD.
|
Document Uploaded. Please see the XXX redisclosure package.
|
06/02/2026
|
cure package provided, exception downgraded to a 2/B
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|
|
409053672
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409053672
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409053673
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|||
|
409053673
|
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
|
05/29/2026
|
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
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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
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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
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A
|
A
|
A
|
A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053673
|
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
|
05/29/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053676
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% |
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
|
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
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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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053676
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% |
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
|
|||
|
409053676
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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% |
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
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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
|
|||
|
409053679
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements The borrower XXX ; The subject XX/XX/XXXX. The loan application reflects the borrower
owned previous residence; XXX XXX for XXX years. The credit report reflects XXX months mortgage pay history from XX/XX/XXXX-XX/XX/XXXX. Most recent XXX months mortgage history/rent history is required. Provide proof of no housing payment or
document payments from XX/XX/XXXX-XX/XX/XXXX.
|
Document Uploaded. Please see the XXX email confirmation from the XXX that the non-subject property is free and clear, the property has been
added to REO and a new 1003 and XXX have been uploaded. Also XXX is evidence of taxes and no HOI is required as the property is free and clear.
|
06/02/2026
|
Housing History Meets Guideline Requirements
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|
|
409053679
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053679
|
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
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053680
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053680
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053680
|
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
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053681
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053681
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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%
|
A
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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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409053681
|
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
|
05/29/2026
|
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%
|
A
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A
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A
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A
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|||
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409053684
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX.
|
Document Uploaded. Please see XXX, Settlement Statement confirming the assets gained from the sale of a non-subject property. These funds
can be used for reserves.
|
06/01/2026
|
Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.Because the REO was sold about a month prior to the
origination of the subject property. Please provide evidence of deposit into borrower's asset account to confirm receipt of sale proceeds to cover the required reserve amount of $XXX.
|
06/03/2026
|
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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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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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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A
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A
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A
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A
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409053684
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1198
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Number of Months)
|
Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines XXX months reserves plus
additional XXX months for each additional financed property loan was short to close by XXX
|
Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s)
|
06/03/2026
|
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
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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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|||
|
409053684
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
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
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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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A
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|||
|
409053684
|
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
|
05/29/2026
|
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
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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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A
|
|||
|
409053685
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409053685
|
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
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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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
|
|||
|
409053685
|
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
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053686
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. XXX in the loan file is missing the DTI calculation.
|
Please be advised this is a function of the product as this loan product is not run through AUS so the AUS DTI is not printed on the form.
|
06/01/2026
|
Approval/Underwriting Summary is fully present
|
06/02/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI 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
|
|
|
409053686
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/27/2026
|
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
|
05/29/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI 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
|
|||
|
409053686
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI 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
|
|||
|
409053687
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Cured
|
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 zero tolerance violation in the amount of XXX is due to the addition of the Appraisal review fee added to the LF dated XX/XX/XXXX. UCDP first submission date was XX/XX/XXXX showing a score of XXX yet appraisal review fee was not
disclosed to the borrower until XX/XX/XXXX. 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
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. Please see XXX, redisclosure with check included.
|
06/03/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
06/04/2026
|
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
|
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
|
|
|
409053687
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
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
|
|||
|
409053687
|
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
|
05/28/2026
|
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
|
|||
|
409053690
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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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
|
|||
|
409053690
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053690
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053691
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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
|
|||
|
409053691
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
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
|
|||
|
409053691
|
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
|
05/29/2026
|
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
|
|||
|
409053695
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/28/2026
|
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
|
|||
|
409053695
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/28/2026
|
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
|
|||
|
409053695
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/28/2026
|
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
|
|||
|
409053697
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/27/2026
|
Cured
|
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 of XX/XX/XXXX is on or before the cancel by date on the
ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel XXX
|
Please escalate for this to be cleared. The disbursement checks on pg XXX-XXX should be sufficient to clear this and confirms disbursement
dates. No changes need to be made to the CD and reopening rescission is enough to remedy the exception.Document Uploaded. Please see XXX
|
06/11/2026
|
Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. Updated RTC and LOE provided, Please provide
the updated PCCD with updated loan disbursement information for testing. Exception retained.
|
06/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|
|
409053697
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. DTI is not reflecting in XXX However verified on QM Findings document. Requesting for XXX with
DTI.
|
The DTI does not print on the XXX for this product. This is a simple function of the product as its not run thru AUS. Please escalate for
this to be cleared as-is since there is no missing XXX information and no material issue.
|
06/02/2026
|
Approval/Underwriting Summary is fully present
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|
|
409053697
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053701
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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
|
|||
|
409053701
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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409053701
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
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Borrower has stable job time - Borrower has XXX years on job.
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A
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409053705
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than
Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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409053705
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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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409053705
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than
Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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409053707
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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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409053707
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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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|||
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409053707
|
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
|
05/29/2026
|
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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|||
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409053710
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing Title Document is required
|
Document Uploaded. Please see XXX, Title prelim report as requested.
|
06/01/2026
|
Title Document is fully Present
|
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. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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D
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D
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D
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A
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|
|
409053710
|
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
|
05/29/2026
|
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. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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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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|||
|
409053710
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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. | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below
the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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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|||
|
409053713
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
TILA 130b Cure Required. Refund in the amount of $x x: 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 application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. 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 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).
|
Please see the XX/XX/XXXX LE XXX?; ; Document Uploaded. Please see XXX
|
06/03/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved The LE provided is dated XX/XX/XXXX which is more than XXX
days after the application date of XX/XX/XXXX
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
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
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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
|
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
|
|
|
409053713
|
XXX
|
XXXXX
|
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 XXX% 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 application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. XXX 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 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 creditorand(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e) (1) (vi).
|
Please see the XX/XX/XXXX LE XXX Please see XXX
|
06/03/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved The LE provided is dated XX/XX/XXXX which is more than XXX
days after the application date of XX/XX/XXXX
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
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
|
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
|
A
|
A
|
A
|
A
|
A
|
|
|
409053713
|
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)
|
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 application date 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.
|
Document Uploaded. Please see the XX/XX/XXXX LE XXX Please see XXX
|
06/03/2026
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Initial LE provided - exception resolved Initial LE provided - exception resolved The LE provided is dated XX/XX/XXXX which is more than XXX
days after the application date of XX/XX/XXXX
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06/04/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053713
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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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05/27/2026
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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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05/29/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053713
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/27/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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05/29/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053714
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XXX
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XXXXX
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XX/XX/XXXX
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$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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05/27/2026
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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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05/29/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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409053714
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/28/2026
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Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
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Informational
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05/29/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline
minimum FICO of XXX
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409053714
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XXX
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XXXXX
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XX/XX/XXXX
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$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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05/27/2026
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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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05/29/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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409053721
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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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Cured
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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 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 $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the Appraisal Review Fee of
XXX being added to LE dated XX/XX/XXXX. UCDP submission was made on XX/XX/XXXX showing score of XXX. Appraisal Review Fee was not disclosed within XXX days of being required.
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Document Uploaded. Please see the XXX package mailed to the borrower.
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06/03/2026
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Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
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06/04/2026
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Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053721
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XXX
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XXXXX
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XX/XX/XXXX
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$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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05/27/2026
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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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05/29/2026
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Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX% 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
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053721
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/27/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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05/29/2026
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Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Qualifying DTI below max allowed. -
Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053726
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
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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
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05/29/2026
|
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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409053726
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409053726
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
|
05/29/2026
|
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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409053730
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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
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% Test
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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 application date 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
application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
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
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 creditorand(C) The creditor permits the consumer to shop for the third-party
service, consistent with §1026.19(e) (1) (vi).
|
06/03/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053730
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XXX
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XXXXX
|
XX/XX/XXXX
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$XXXXXX
|
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)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Evidentiary Doc page XXX 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 application date XX/XX/XXXX.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved 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.
|
06/03/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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C
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A
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409053730
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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
|
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
exception is tied to the missing Initial LE issued within XXX business days of the application date 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
application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
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 $XXX lease see the
Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed
on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i).
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying
FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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C
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A
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C
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409053730
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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409053730
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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
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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C
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409053731
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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
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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.
|
A
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A
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409053731
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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
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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.
|
A
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A
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A
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|||
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409053731
|
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
|
05/29/2026
|
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.
|
A
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A
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A
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A
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|||
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409053734
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
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 lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason for the change may cure the
violation. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific
lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures
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).
|
Please see page XXX of the final CD. The borrower recieved a XXX reduction which should be calculated into the LC amount. The lender applied
LCs to all possible fees. As there were no other fees to assign it to, the difference was marked as XXX reduction. Please see XXX, initial LE as requested
|
06/03/2026
|
Lender confirmed XXX reduction was applied as a lender creditLender confirmed XXX reduction was applied as a lender credit The lender credit
tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason for the change may cure the violation
|
06/04/2026
|
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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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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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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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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|
|
409053734
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document 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 application date XX/XX/XXXX.
|
Document Uploaded. Please see XXX, initial LE as requested
|
06/01/2026
|
Initial LE provided exception resolved
|
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.
|
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
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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
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|
|
409053734
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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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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
|
|||
|
409053734
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
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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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
|
|||
|
409053737
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1173
|
Credit
|
HO6 Master Insurance Policy is Missing
|
Missing HO-6 Master Insurance Policy
|
Document Uploaded. Please see XXX, Condo policy as requested
|
06/01/2026
|
HO-6 Master Insurance Policy is fully present
|
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.
|
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
|
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
|
|
|
409053737
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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
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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
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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
|
|||
|
409053737
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
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05/29/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has
stable job time - Borrower has XXX years on job.
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D
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409053741
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/29/2026
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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 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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE
issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing
will be completed, once the initial LE is provided.
|
Please see the XXX XX/XX/XXXX LE.
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06/01/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053741
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
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 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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application
date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Please see the XXX XX/XX/XXXX LE.
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06/01/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053741
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3635
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Compliance
|
Charges That In Total Cannot Increase More Than XXX% 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 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 creditorand(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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is
dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Please see the XXX XX/XX/XXXX LE.
|
06/01/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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C
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A
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409053741
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3515
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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 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 application date XX/XX/XXXX
|
Document Uploaded. Please see the XXX XX/XX/XXXX LE.
|
06/01/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
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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409053741
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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
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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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409053741
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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
|
05/29/2026
|
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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409053745
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Business narrative form is missing in loan file
|
Document Uploaded. Please see XXX business narrative.
|
06/01/2026
|
Income and Employment Meet Guidelines
|
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.
|
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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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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A
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A
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A
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A
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A
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A
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A
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409053745
|
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
|
05/29/2026
|
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.
|
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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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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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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|||
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409053745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
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.
|
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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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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409053746
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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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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409053746
|
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
|
05/29/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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|||
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409053746
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409053747
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/28/2026
|
Resolved
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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 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 $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The zero tolerance exception is tied to the missing Initial LE issued within XXX business days of
the application date of XX/XX/XXXX as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date XX/XX/XXXX Additional testing will be completed, once the initial LE is
provided.
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Document Uploaded. Please see XXX
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06/01/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053747
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
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finding-3635
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Compliance
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Charges That In Total Cannot Increase More Than XXX% Test
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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 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 creditorand(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 $XXX: Cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The XXX% tolerance exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX as the earliest
available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date XX/XX/XXXX Additional testing will be completed, once the initial LE is provided.
|
Please see XXX
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06/01/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053747
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-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 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 application date XX/XX/XXXX.
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Please see XXX
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06/01/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/02/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053747
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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C
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409053747
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
05/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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409053750
|
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
|
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 application date 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 application date 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 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. Please disregard the prior LE that was uploaded as it was never provided to the borrower, please see the XXX confirmation
the first LE disclosed to the borrower was the XX/XX/XXXX XX/XX/XXXX LE, XXX ; The LE as well as proof of publishing from our internal system to the borrower.Please see the XXX initial LE.
|
06/04/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved 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 Underwriting Fee on the revised LE dated XX/XX/XXXX without a
valid COC in file.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 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).
|
06/05/2026
|
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%
|
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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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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409053750
|
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 XXX% 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 application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is 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 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 creditorand(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e) (1) (vi).
|
Please see the XXX initial LE.
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved TILA XXX Cure Required. Refund in the amount of $XXX cure
package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee without a valid COC in file.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 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 creditorand(C) The creditor permits the consumer to shop
for the third-party service, consistent with §1026.19(e) (1) (vi).
|
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%
|
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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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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|
|
409053750
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
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.
|
Document Uploaded. Please see the XXX confirmation of appraisal delivery.
|
06/02/2026
|
appraisal delivery provided, exception resolved Evidence of appraisal delivery provided.
|
06/03/2026
|
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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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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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
|
|
|
409053750
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
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)
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per the evidentiary report) 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 application date 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.
|
Document Uploaded. Please see the XXX initial LE.
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
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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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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409053750
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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
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Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
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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C
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409053750
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
C
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409053753
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
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FCOM1252
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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.
|
Document Uploaded. Please see initial XXX
|
06/02/2026
|
Initial LE provided exception resolved
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053753
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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
|
FCRE8999
|
Credit
|
No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
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409053753
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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
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
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409053756
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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
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Business Narrative document is not available. Lender to provide the completed Business
Narrative document as required by the guidelines.
|
Document Uploaded. Please see XXX
|
06/02/2026
|
Lender provided XXX letter with required business narrative information.
|
06/03/2026
|
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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A
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409053756
|
XXX
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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
|
06/01/2026
|
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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C
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A
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|||
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409053756
|
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
|
06/01/2026
|
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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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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|||
|
409053758
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR
§1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date
is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures
required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have
received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX
business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation.
|
Document Uploaded. Please see the XXX le verification. The website FYi is the borrower acknowledgment of the document, and the outstanding
status is the date/time the document was obtained.
|
06/02/2026
|
Revised LE receipt date provided exception resolved Revised LE receipt date provided exception resolved
|
06/03/2026
|
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
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A
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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
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|
|
409053758
|
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 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 application
date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/03/2026
|
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
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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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|
|
409053758
|
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 XXX% 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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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 application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/03/2026
|
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
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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
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|
|
409053758
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
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 XXX open on SundayAs not XXX 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
Evidentiary 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 application date XX/XX/XXXX.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/03/2026
|
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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A
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A
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409053758
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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
|
FPRO8998
|
Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
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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A
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A
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C
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409053758
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
05/28/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX
|
C
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A
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A
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A
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A
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A
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C
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409053759
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
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.
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A
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A
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409053759
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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
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
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.
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A
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A
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409053759
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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
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/01/2026
|
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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409053761
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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-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required to clear exception. The earliest LE in the loan file was issued on XX/XX/XXXX, greater than XXX days from the
application date of XX/XX/XXXX.. The violation can be cured by providing the initial LE within XXX days of application date 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 XXX open on
SundayAs not XXX 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.
|
Document Uploaded. Please see the initial LE XXX
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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|
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409053761
|
XXX
|
XXXXX
|
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 XXX% Test
|
The application date is XX/XX/XXXX, the Initial Loan Estimate in file is dated XX/XX/XXXX, greater than XXX days from the application date.
Due to the missing Initial Loan Estimate dated within XXX days of the application date, there is a tolerance violation in the amount of $XXX. Because the loan failed the initial LE delivery date test due to missing Initial Loan Estimate, 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 Loan Estimate(s) are provided. Additional testing will be completed once the
Initial LE is 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 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 XXX;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the
creditorand(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e) (1) (vi).
|
Please see the initial LE XXX
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|
|
409053761
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3634
|
Compliance
|
Charges That Cannot Increase Test
|
The application date is XX/XX/XXXX, the Initial Loan Estimate in file is dated XX/XX/XXXX, greater than XXX days from the application date.
Due to the missing Initial Loan Estimate dated within XXX days of the application date, there is a tolerance violation in the amount of $XXX. Because the loan failed the initial LE delivery date test due to missing Initial Loan Estimate, 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 Loan Estimate(s) are provided. 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 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).
|
Please see the initial LE XXX
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|
|
409053761
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
TILA 130b Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender's Credit. Because the loan failed the initial LE delivery date test due to missing Initial Loan Estimate, any values that would be
under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing Loan Estimate(s) are provided. Additional testing will be completed once the Initial LE is
provided. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific
lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures
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).
|
Please see the initial LE XXX
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|
|
409053761
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines XXX #XXX: Except for the XXX Statement, the other bank Statements are either missing or
corrupted, making it impossible to verify the income, excluded items, and deposit amounts.
|
Document Uploaded. Please see the initial LE XXX
|
06/02/2026
|
Income and Employment Meet Guidelines
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409053761
|
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
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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|||
|
409053766
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
|
A
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409053766
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
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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A
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409053766
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409053767
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The initial Loan Estimate dated XX/XX/XXXX and revised Loan Estimate dated XX/XX/XXXX (per
Evidentiary Document in file) are 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 revised Loan Estimates that were issued to
the consumer.
|
Document Uploaded. please see the initial LE XXX
|
06/02/2026
|
LE provided exception resolved
|
06/03/2026
|
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
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D
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C
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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409053767
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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
|
06/01/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Business Narrative document is provided; but blank. Lender to provide the completed Business
Narrative document as required by the guidelines.
|
Document Uploaded. Please see the business narrative XXX
|
06/02/2026
|
Income and Employment Meet Guidelines
|
06/03/2026
|
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
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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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D
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A
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D
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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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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409053767
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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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
|
06/01/2026
|
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
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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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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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C
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A
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D
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D
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C
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A
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D
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D
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C
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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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|||
|
409053767
|
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
|
06/01/2026
|
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
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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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D
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A
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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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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A
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A
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A
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A
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|||
|
409053769
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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|||
|
409053769
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409053769
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|||
|
409053770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/29/2026
|
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
exception is tied to the missing Initial LE issued within XXX business days of the application date 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
application date 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 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. Please see the XXX loan estimate.
|
06/02/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. |
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
|
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
|
|
|
409053770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/29/2026
|
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 evidentiary document 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 application date 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 XXX open on SundayPLEASE 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.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/02/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. |
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
|
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
|
|
|
409053770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1328
|
Credit
|
Borrower 1 W2/1099 Missing
|
Borrower 1 W2/1099 Missing. The XXX W-2 is available in the file; however, the information is blank. Therefore, a W-2 with the required
information is needed.
|
Document Uploaded. Please see the XXX W-2.
|
06/02/2026
|
Borrower 1 W2/XXX Provided
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053770
|
XXX
|
XXXXX
|
XX/XX/XXXX
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$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. |
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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409053771
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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
|
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
exception is tied to the missing Initial LE issued within XXX business days of the application date 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
application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. 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 $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase
for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under
§1026.19(e) (1) (i).
|
Please see the XXX initial LE.
|
06/02/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has
XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
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A
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C
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409053771
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% 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
exception is tied to the missing Initial LE issued within XXX business days of the application date 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
application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. XXX 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 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 XXX;(B) The
charge for the third-party service is not paid to the creditor or an affiliate of the creditorand(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e) (1) (vi).
|
Please see the XXX initial LE.
|
06/02/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
C
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A
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C
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409053771
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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
|
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 evidentiary document 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 application date XX/XX/XXXX. XXX 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.
|
Document Uploaded. Please see the XXX initial LE.
|
06/02/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
C
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A
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C
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409053771
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
C
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A
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409053771
|
XXX
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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
|
06/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
C
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A
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C
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409053772
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
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409053772
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
|
409053772
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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|||
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409053773
|
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
|
06/01/2026
|
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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|||
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409053773
|
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
|
06/01/2026
|
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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|||
|
409053773
|
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
|
06/01/2026
|
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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|||
|
409053776
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception: The initial Loan Estimate dated XX/XX/XXXX (per evidentiary document in file) is missing from
the loan file. Please provide LE dated XX/XX/XXXX for additional testing.
|
Document Uploaded. Please see XXX, XX/XX/XXXX LE as requested.
|
06/03/2026
|
Initial LE provided - exception resolved
|
06/04/2026
|
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
|
A
|
A
|
A
|
A
|
D
|
A
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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
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D
|
D
|
A
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A
|
D
|
D
|
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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|
|
409053776
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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.
|
Document Uploaded. Please see XXX, appraisal delivery confirmation as requested.
|
06/03/2026
|
Evidence of appraisal delivery provided.
|
06/04/2026
|
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
|
B
|
A
|
A
|
A
|
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
|
D
|
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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|
|
409053776
|
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.
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
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
|
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
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A
|
|||
|
409053776
|
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.
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
A
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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
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053777
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
409053777
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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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
|
|||
|
409053777
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
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 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 application
date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
XXX.
|
Document Uploaded. Please see the XXX package mailed to the borrower.Please be advised the fee increased in Section C allowing borrower to
continue to shop around for the fee. This is not a tolerance violation.Please be advised the fee was initially disclosed in Section C and moved to Section B, this is not a tolerance violation.Please see the XXX initial LE.
|
06/16/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Although it was initially disclosed in section C, it's paid to
affiliate and on SPL therefore testing will be subject the charge to a XXX% tolerance threshold. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or valid COC for increase. Tax
Certification fee on LE XX/XX/XXXX was XXX and on LE XX/XX/XXXX it increased to XXX without a COC. Please provide COC for increase in fee or cure package for $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 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).Updated cure amount to XXX due to the increase in Tax Certification fee without a valid COC
|
06/17/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Revised Loan Estimate dated XX/XX/XXXX (per Evidentiary Document in file) is missing from the
loan file. The violation can be cured by providing the Revised LE dated XX/XX/XXXX
|
Document Uploaded. Please see the XXX XX/XX/XXXX LE.Document Uploaded. Please see the XXX initial LE.
|
06/05/2026
|
LE XX/XX/XXXX provided - exception resolved The Revised Loan Estimate dated XX/XX/XXXX (per Evidentiary Document in file) is missing from
the loan file. The violation can be cured by providing the Revised LE dated XX/XX/XXXX
|
06/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
Provide documentation to show the borrower received the revised LE at least XXX days prior to consummation Provide documentation to show the
borrower received the revised LE at least XXX days prior to consummation This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e) (4) (ii) he revised loan
estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate
delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e) (1)
(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have received such version three
business days after the creditor delivers or places such version in the mail. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e) (4) (ii) he revised
loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate
delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e) (1)
(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have received such version three
business days after the creditor delivers or places such version in the mail. Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be aware,
'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX. Please be
aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XXX/XXX.
Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. LE receipt date provided - exception resolved LE receipt date provided - exception resolved
|
06/08/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
||||
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% 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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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 application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided..
|
Please see the XXX initial LE.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
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: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 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 application date XX/XX/XXXX.
|
Please see the XXX initial LE.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
finding-3837
|
Compliance
|
Initial Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (12 CFR §1026.19(e) (1)
(iii) (B) he initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery
date is on or after consummation of the transaction 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 he creditor shall deliver or place in the mail the disclosures required under §1026.19(e) (1)
(e) (XXX) (i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Evidentiary Document in
file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public
holidays) before consummation of the transaction. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX.
|
Please see the XXX initial LE.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
C
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409053779
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|||
|
409053780
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053780
|
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
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053780
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053781
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053781
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053781
|
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
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053787
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3515
|
Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation required: There's no evidence of the initial LE issued XX/XX/XXXX in the loan file. 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 XXX open on SundayAs not XXX 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.
|
Document Uploaded. Please see the XX/XX/XXXX LE for the subject transaction XXX?; ; Document Uploaded. Please see the XX/XX/XXXX LE XXX?; ;
Document Uploaded. Please see the XXX internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower
electronically.
|
06/05/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolvedXXX Initial LE is for the incorrect loan. Please provide
Initial LE for XXX , XXX Initial LE is missing from file. Please provide LE XX/XX/XXXX.
|
06/05/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. 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
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409053787
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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
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% 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 Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job.
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409053787
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline
DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job. Borrower has XXX years on job.
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409053788
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/31/2026
|
Resolved
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FCOM1252
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Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Evidentiary 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 application date XX/XX/XXXX.
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Document Uploaded. Please see the XXX LE.
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06/02/2026
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LE provided exception resolved
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06/03/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053788
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
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Property
|
No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053788
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053789
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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 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 application date 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 XXX open on
SundayAs not XXX 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.
|
Document Uploaded. Please see the XXX le.
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
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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409053789
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation
in the amount of XXX is due to decrease in Lender Credit from XXX on the LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX. The exception is tied to the missing Initial LE issued within XXX business days of the application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. XXX
|
Document Uploaded. Please see the XXX le.
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
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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A
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A
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A
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|
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409053789
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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 application date 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 application date 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 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. Please see the XXX le.
|
06/02/2026
|
Initial LE provided, Exception resolved Initial LE provided, Exception resolved
|
06/03/2026
|
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
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A
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A
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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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409053789
|
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
|
06/01/2026
|
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
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A
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A
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A
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|||
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409053789
|
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
|
06/01/2026
|
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
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A
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A
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|||
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409053790
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1170
|
Credit
|
Flood Insurance Expiration Date is before the Disbursement Date
|
Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Disbursement Date of XX/XX/XXXX Flood Insurance Expiration Date of XX/XX/XXXX
is prior to the Disbursement Date of XX/XX/XXXX
|
Document Uploaded. please see XXX
|
06/12/2026
|
Documentation is sufficient. Updated policy provided. Exception resolved.Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after
the Disbursement Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided.
|
06/15/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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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A
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A
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A
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A
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409053790
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Lender using XXX - XXX Bank Statement to Qualify Borrower Income, but in this loan File XXX
Bank Statement Missing
|
Please escalate for this to be cleared as-is, as XXX XX/XX/XXXX is XXX months, so there is no material issue
|
06/02/2026
|
Income and Employment Meet Guidelines
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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A
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A
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A
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A
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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
|
|
|
409053790
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053790
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053791
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required: There's no evidence of the initial LE issued XX/XX/XXXX in the loan file.
|
Document Uploaded. Please see the XXX initial LE.
|
06/02/2026
|
Initial LE provided exception resolved
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|
|
409053791
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053791
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
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
|
|||
|
409053792
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053792
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053792
|
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
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
|||
|
409053793
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document) is missing from the loan
file.
|
Document Uploaded. Please see the LE XXX
|
06/02/2026
|
LE provided exception resolved
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
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
|
|
|
409053793
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Title documentation for property locate at XX/XX/XXXX, XXX is missing to verify the annual tax amount as required by the guidelines.
|
Document Uploaded. please see the summer and winter tax bills XXX
|
06/02/2026
|
Documentation is sufficient. Tac cert provided. Exception resolved.
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
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
|
|
|
409053793
|
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
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
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
|
|||
|
409053794
|
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
|
06/01/2026
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409053794
|
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
|
06/01/2026
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|||
|
409053794
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/01/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has
XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
A
|
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409053795
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053795
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX
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A
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409053795
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053796
|
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
|
FCRE1347
|
Credit
|
Borrower 2 3rd Party VOE Prior to Close Missing
|
Borrower 2 3rd Party VOE Prior to Close Missing. Borrower 2 - XXX Income 3rd Party VOE Prior to Close Missing.
|
Document Uploaded. Please see the XXX updated 1003 and XXX removing the XXX income. Note, the DTI did not change more than XXX% which would
require new AUS findings.
|
06/02/2026
|
Documentation provided is sufficient. Exception resolved.Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers
equals XXX).
|
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 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV 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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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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409053796
|
XXX
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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
|
06/01/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV 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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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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D
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D
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A
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A
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|||
|
409053796
|
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
|
06/01/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV 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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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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|||
|
409053798
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE0360
|
Credit
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The loan application reflects XXX is owned free &
clear. Provide property report to verify XXXis owned free & clear. In addition, provide a Statement for HOA fee or letter to reflects there is no HOA.
|
Document Uploaded. Please see the release of lien XXX
|
06/03/2026
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not XXX present.
|
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 | 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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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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|
|
409053798
|
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
|
06/01/2026
|
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
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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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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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A
|
|||
|
409053798
|
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
|
06/01/2026
|
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
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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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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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A
|
|||
|
409053799
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation
in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the revised LE issued XX/XX/XXXX without a valid COC.
|
Document Uploaded. Please see the XXX package mailed to the borrower.
|
06/04/2026
|
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 lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX without a COC.
|
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
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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
|
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
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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
|
C
|
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
|
A
|
A
|
A
|
A
|
A
|
|
|
409053799
|
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 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 application
date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
Per XXX XX/XX/XXXX ; The initial Loan Estimate resets baseline.
|
Please see the XXX package mailed to the borrower.
|
06/04/2026
|
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 credit report fee on LE 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 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).
|
06/05/2026
|
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
|
A
|
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
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053799
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Rescinded
|
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) , XXX 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 This loan failed the TILA finance charge test.(12 CFR §1026.18(d) (1) , XXX 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
|
06/05/2026
|
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
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A
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A
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A
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A
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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
|
|||||
|
409053799
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
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06/05/2026
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Rescinded
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finding-3716
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Compliance
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XXX Per XXX Interest Amount Test
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This loan failed the per XXX interest amount test. (XXX. Prof. Code §2948.5) The per XXX interest amount charged on the loan XXX exceeds the
per XXX interest charge or credit threshold ($-XXX) LEASE NOTE: An additional XXX buffer was included in the per XXX interest charge or credit threshold displayed above based on the client preferences configured on the per XXX interest settings
page. This loan failed the per XXX interest amount test. (XXX. Prof. Code §2948.5) The per XXX interest amount charged on the loan XXX exceeds the per XXX interest charge or credit threshold ($-XXX) LEASE NOTE: An additional XXX buffer was
included in the per XXX interest charge or credit threshold displayed above based on the client preferences configured on the per XXX interest settings page.
|
06/05/2026
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C
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409053799
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
06/01/2026
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Resolved
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finding-3515
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Compliance
|
Initial Loan Estimate Delivery Date Test (from application)
|
Documentation requiredThere's no evidence of the Initial LE issued within XXX business days from application dated XX/XX/XXXX in the loan
file. 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.
|
Document Uploaded. Please see the XXX initial LE.
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06/02/2026
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Initial LE provided - exception resolved Initial LE provided - exception resolved
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06/03/2026
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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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C
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A
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409053799
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
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No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX
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C
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A
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409053799
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/01/2026
|
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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409053802
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/28/2026
|
Resolved
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FCRE1491
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Credit
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Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. For pending sale property, the fully executed HUD1/Closing Disclosure Statement is
required to verify the sale and receipt of funds to close and to show the XXX is paid in full and receipt of net proceed funds.
|
Document Uploaded. Please see the XXX final XXX for the non-subject.
|
06/03/2026
|
Asset Qualification Meets Guideline Requirements.
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06/04/2026
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Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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C
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A
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C
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409053802
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
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 Evidentiary Document 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 application date XX/XX/XXXX.
|
Document Uploaded. Please see the XXX initial LE.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
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 | Borrower has stable job time - Borrower has XXX years on job.
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C
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A
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C
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409053802
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
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 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 application
date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Please see XXX initial LE.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
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 | 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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A
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A
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409053802
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
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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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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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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|||
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409053803
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per Evidentiary Document 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 dated XX/XX/XXXX.
|
Document Uploaded. Please see XXX, XX/XX/XXXX LE as requested.
|
06/04/2026
|
Initial LE provided, Exception resolved
|
06/05/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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
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|
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409053803
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.
|
Informational
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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
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|||
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409053803
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
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
|
06/03/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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
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|||
|
409053804
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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 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 zero tolerance exception is tied to the missing Initial LE issued within XXX business
days of the application XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide initial LE within XXX business days from application. Additional testing to be completed once the Initial LE is provided.
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
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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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
|
|||
|
409053804
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
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06/01/2026
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Resolved
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finding-3635
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Compliance
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Charges That In Total Cannot Increase More Than XXX% Test
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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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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 or Valid COC. The XXX% tolerance exception is tied to the missing Initial LE issued within XXX business days of the application XX/XX/XXXX, as the earliest
available LE is dated XX/XX/XXXX. Please provide initial LE within XXX business days from application. Additional testing to be completed once the Initial LE is provided.
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/04/2026
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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%
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C
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409053804
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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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06/01/2026
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Resolved
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finding-3515
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Compliance
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Initial Loan Estimate Delivery Date Test (from application)
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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. The initial Loan Estimate dated XX/XX/XXXX(per
Evidentiary Document) is missing from the loan file. The earliest LE in the loan file is dated XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application dated XX/XX/XXXX.
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Document Uploaded. Please see XXX, LE as requested.
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06/03/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/04/2026
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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%
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C
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409053804
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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06/02/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of
XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
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C
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409053804
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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%
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C
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409053805
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
06/02/2026
|
Resolved
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FCOM1252
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Compliance
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TRID: Missing Loan Estimate
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Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary report in file) is missing from the
loan file. The initial LE is missing from the file. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX.
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Document Uploaded. Please see the XXX initial LE.
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06/03/2026
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Initial LE provided exception resolved
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06/04/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX
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409053805
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/28/2026
|
Resolved
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FCRE5116
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Credit
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Missing VOM or VOR
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Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Lender to provide an acceptable Verification of Rent (VOR)
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Please refer to page XXX of the loan images for the VOR.
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06/03/2026
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Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing
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06/03/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053805
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX
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D
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A
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D
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409053806
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
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Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary report) is missing from the loan
file.
|
Document Uploaded. Please see the XXX initial LE.
|
06/04/2026
|
Initial LE provided, Exception resolved
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
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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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409053806
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-XXX from sale of non-subject property
|
Hud from sale of XXX not provided. Additionally T&I is missing from the loan file.
|
Document Uploaded. Please see XXX final ALTA for the sale of the non-subject. Please advise which property does not have taxes and
insurance, the loan file contains all required documentation for the properties.
|
06/04/2026
|
Lender provided Settlement Statement for sale of REO at XXX . No T&I necessary since REO sold.
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
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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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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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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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409053806
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
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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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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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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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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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|||
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409053807
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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 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 application
date 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 application date of XX/XX/XXXX Additional testing will be completed, once the initial LE is provided.
|
Please see XXX, XX/XX/XXXX LE as requested.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV 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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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
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409053807
|
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 XXX% 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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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
$XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated
XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX Additional testing will be completed, once the initial LE is provided.
|
Please see XXX, XX/XX/XXXX LE as requested.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has
XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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409053807
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XXX
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XXXXX
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XX/XX/XXXX
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$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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06/01/2026
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Resolved
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finding-3515
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Compliance
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Initial Loan Estimate Delivery Date Test (from application)
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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 Evidentiary Document 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 application date XX/XX/XXXX.
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Document Uploaded. Please see XXX, XX/XX/XXXX LE as requested.
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06/03/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/04/2026
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Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
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409053807
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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06/01/2026
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Resolved
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FCRE8999
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Credit
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No Credit Findings
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The loan meets all applicable credit guidelines.
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Informational
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06/02/2026
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Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max
allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has
XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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409053807
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
06/02/2026
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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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Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
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409053809
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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
|
06/01/2026
|
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 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 application
date 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 application date of XX/XX/XXXX Additional testing will be completed, once the initial LE is provided.
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Please see the missing LE XXX
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06/03/2026
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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) One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the
Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed
on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i).
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06/04/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053809
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
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 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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE
issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX Additional testing will
be completed, once the initial LE is provided.
|
Document Uploaded. Please see the missing LE XXX
|
06/03/2026
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Initial LE provided exception resolved Initial LE provided exception resolved
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06/04/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053809
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% Test
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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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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 application date 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 application date of XX/XX/XXXX Additional testing will be completed, once the initial LE is provided. XXX
|
Please see the missing LE XXX
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053809
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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
|
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 XXX open on SundayAs not XXX 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
Evidentiary Document 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 application date XX/XX/XXXX. XXX
|
Please see the missing LE XXX
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06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
06/04/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053809
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053809
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XXX
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XXXXX
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XX/XX/XXXX
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$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
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than
Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of
XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053810
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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
|
06/05/2026
|
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 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). 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 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. Please see XXX, the borrower missed the initial appraisal
appointment. Therefore the fee increased. This was disclosed to the borrower same-day. Document Uploaded. Please see XXX, the borrower missed the initial appraisal appointment. Therefore the fee increased. This was disclosed to the borrower
same-day. Document Uploaded. Please see XXX, the borrower missed the initial appraisal appointment. Therefore the fee increased. This was disclosed to the borrower same-day. Valid COC provided - exception resolved Valid COC provided - exception
resolved
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TILA 130b Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or
Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on CD XX/XX/XXXX without a COC.
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06/09/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than
Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053810
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XXX
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XXXXX
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XX/XX/XXXX
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$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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FCOM1252
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Compliance
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TRID: Missing Loan Estimate
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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.
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Document Uploaded. Please see XXX, LE as requested.
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06/04/2026
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Initial LE provided - exception resolved
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06/05/2026
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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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409053810
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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06/02/2026
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Resolved
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FPRO8998
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Property
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No Property Findings
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Property and valuations related findings were not identified on the loan.
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Informational
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06/03/2026
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Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than
Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409053810
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XXX
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XXXXX
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XX/XX/XXXX
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$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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06/03/2026
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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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409053811
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
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05/28/2026
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Resolved
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FCRE8506
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Credit
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Application Profile Missing
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Fully Executed Business Narrative Form is Missing. Business Narrative document is blank in the file.
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Document Uploaded. Please see the XXX business narrative.
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06/04/2026
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Lender provided business narrative.
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06/05/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409053811
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XXX
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XXXXX
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XX/XX/XXXX
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$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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05/28/2026
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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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06/03/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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409053811
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
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Resolved
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FCOM8997
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Compliance
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No Compliance Findings
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The loan is in compliance with all applicable laws and regulations.
|
Informational
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06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying
FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409053813
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3634
|
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 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 $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the application
date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
XXX
|
Please see XXX, XX/XX/XXXX LE as requested.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
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06/04/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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409053813
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% 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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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 application date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. XXX
|
Please see XXX, XX/XX/XXXX LE as requested.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
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 | Borrower has stable job time - Borrower has XXX years on job.
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409053813
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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
|
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 XXX open on SundayAs not XXX 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
evidentiary document 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 application date XX/XX/XXXX.
|
Document Uploaded. Please see XXX, XX/XX/XXXX LE as requested.
|
06/03/2026
|
Initial LE provided exception resolved Initial LE provided exception resolved
|
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 | Borrower has stable job time - Borrower has XXX years on job.
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C
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A
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C
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A
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409053813
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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
|
05/28/2026
|
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.
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C
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A
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A
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|||
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409053813
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/02/2026
|
Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the
Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job.
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C
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A
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A
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A
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A
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A
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A
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C
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C
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C
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A
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A
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C
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C
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409053814
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE1173
|
Credit
|
XXX Master Insurance Policy is Missing
|
Missing XXX Master Insurance Policy
|
Document Uploaded. please see XXX
|
06/03/2026
|
XXX Master Insurance Policy is fully present
|
06/04/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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D
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409053814
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time -
Borrower has XXX years on job.
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D
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409053814
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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D
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A
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D
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409053815
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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
|
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 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 application
date 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 application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/04/2026
|
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 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).
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
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C
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A
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409053815
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 application date 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 application date of XX/XX/XXXX. Additional testing
will be completed, once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/04/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
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A
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C
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A
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409053815
|
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 XXX% 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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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 days of the application dated XX/XX/XXXX, as the earliest LE in file is dated XX/XX/XXXX.
Please provide the initial LE issued within XXX days or the application. Additional testing will be completed once the initial LE is provided.
|
Document Uploaded. Please see the XXX loan estimate.
|
06/04/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
409053815
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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 XXX open on SundayAs not XXX 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. The initial LE dated XX/XX/XXXX (per Evidentiary Documentation) is
missing from Loan File. The earliest LE in the file is dated XX/XX/XXXX. The violation can be cured by providing initial LE within XXX days of application dated XX/XX/XXXX
|
Document Uploaded. Please see the XXX loan estimate.
|
06/04/2026
|
Initial LE provided - exception resolved Initial LE provided - exception resolved
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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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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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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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409053815
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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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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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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409053815
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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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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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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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|||
|
409053816
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
The bank Statement income calculator was incorrectly calculated using July XXX deposits for XXX XXX deposits. Additionally, another large
deposit for February XXX of XXX on XX/XX/XXXX was included into calculation.
|
Document Uploaded. Please see the XXX updated income calculation worksheet correcting the XXX deposit. Additionally, the XXX deposit was XXX
with checks from the XXX on file; however, for a conservative calculation this was removed on the sheet XXX. DTI is XXX% within qualifying limits using the conservative calculation. XXX is an updated 1003 and XXX
|
06/03/2026
|
Lender provided updated Bank Statement income calc, 1003, and XXX
|
06/04/2026
|
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.
|
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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|
|
409053816
|
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% | 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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|||
|
409053816
|
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% | 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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D
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A
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A
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409053817
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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
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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409053817
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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
|
05/28/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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A
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409053817
|
XXX
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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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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409053818
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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
|
finding-3526
|
Compliance
|
Revised Loan Estimate Delivery Date Test (prior to consummation)
|
This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR
§1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date
is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures
required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have
received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX
business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation XXX
|
Document Uploaded. Please see the XXX LE verification. The website FYI is the date/time borrower acknowledged the disclosure, and the
outstanding status is the date/time it was disclosed.
|
06/04/2026
|
LE receipt date provided - exception resolved LE receipt date provided - exception resolved
|
06/05/2026
|
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 XXX% is less than
Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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|
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409053818
|
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
|
06/03/2026
|
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 XXX% is less than
Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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A
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|||
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409053818
|
XXX
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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
|
06/03/2026
|
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 XXX% is less than
Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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409053819
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
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 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, LOC, Copy of refund check or Valid COC. The zero tolerance in the amount of XXX is due to increase form XXX to XXX for increased Appraisal fee. COC in
file does not detail reason for increase.
|
Document Uploaded. Please see XXX, XXX information as requested
|
06/04/2026
|
Valid COC provided - exception resolved Valid COC provided - exception resolved
|
06/05/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than
Guideline LTV 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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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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|
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409053819
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Rescinded
|
FCOM8663
|
Compliance
|
TRID: Closing disclosure loan terms- Monthly P&I
|
Closing disclosure loan terms- P&I XXX does not match Note XXX Monthly payment matched with XXX?; ; Document.
|
Closing disclosure loan terms- P&I XXX does not match Note XXX
|
06/04/2026
|
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
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||||
|
409053819
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than
Guideline LTV of XXX%
|
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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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
|
|||
|
409053819
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than
Guideline LTV of XXX%
|
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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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
|
|||
|
409053824
|
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
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV 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
|
|||
|
409053824
|
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
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV 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
|
|||
|
409053824
|
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
|
06/03/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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 XXX% is less than Guideline LTV of XXX%
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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409053826
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
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 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. The increase to the Appraisal Fee occurred on the LE dated XX/XX/XXXX and the file did not contain a COC or explanation regarding the increase.
|
Document Uploaded. Please see the XXX appraisal rush fee notification.
|
06/04/2026
|
Valid COC provided - exception resolved Valid COC provided - exception resolved
|
06/05/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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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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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A
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409053826
|
XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE8999
|
Credit
|
No Credit Findings
|
The loan meets all applicable credit guidelines.
|
Informational
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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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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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409053826
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/03/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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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|||
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409053827
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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
|
06/02/2026
|
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 | 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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|||
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409053827
|
XXX
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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. 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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409053827
|
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
|
06/02/2026
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|||
|
409053828
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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|||
|
409053828
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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A
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A
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A
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|||
|
409053828
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM8997
|
Compliance
|
No Compliance Findings
|
The loan is in compliance with all applicable laws and regulations.
|
Informational
|
06/02/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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A
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A
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A
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|||
|
409045194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO0947
|
Property
|
External Obsolescence Present
|
External obsolescence present. External obsolescence present in file, per appraisal Subject is located on a XXX.
|
06/09/2026
|
Per XXX, the appraiser provided one comp on a busy road and adjusted the others for this feature. In addition, the LTV has a cushion.
Finding is resolved.
|
06/09/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
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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||
|
409045194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/27/2026
|
Rescinded
|
FCRE9780
|
Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Business Purpose Affidavit/Disclosure Missing. Missing the Business Purpose Affidavit/Disclosure.
|
Documentation received, XXX to review. Document Uploaded. This is not a business purpose loan, therefore please upload the XXX cert that
will clear this condition with XXX
|
06/09/2026
|
TRID review was completed and loan meets all requirements. No business business purpose affidavit required.Business Purpose
Affidavit/Disclosure Provided
|
06/09/2026
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
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
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A
|
A
|
||
|
409050063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE0360
|
Credit
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Rent payment history is only XXX. 1003 shows borrower has
lived at primary residence for XXX year & XXX months, but only XXX months of payment history was provided. Need a minimum of XXX months per lender requirements.
|
Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Additional rental payment history provided to meet XXX month period. Condition resolved.Verification of Rent (VOR) /Verification of Mortgage
(VOM) Document is not XXX present.
|
07/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FPRO0383
|
Property
|
FEMA Post Disaster Inspection Report not Provided
|
The subject property is a FEMA disaster casehowever, the inspection report was not provided. FEMA emergency declaration declared on
XX/XX/XXXX (XXX) - Public Assistance for the subject property's county, however no mention from the appraiser.
|
Documentation received in XXX review. Document Uploaded.
|
06/18/2026
|
FEMA Post Disaster Inspection report was provided.Client provided Updated Appraisal with Appraiser comments: XX/XX/XXXX: Per visual property
observation, made XX/XX/XXXX, there did not appear to have been any visible damage from to the subject property from the XXX. The local MLS listing page also did not make mention of any damage from this storm. Please note: The appraiser is not
a home inspection, and is not an expert qualified to make this determination. These comments are an assumption, made at the request of the client only, and should not be considered fact. Also note that the storm's date was XX/XX/XXXX (per
lender/client's comments) and the date of the appraiser's property observation was XX/XX/XXXX. The appraiser is unaware as to whether any repair work was completed in the XXX month time period between these XXX dates. LM Updated. Cleared.
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
C
|
A
|
D
|
A
|
A
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
D
|
C
|
D
|
A
|
A
|
A
|
A
|
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
|
|
|
409050733
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage Itemized policy coverages not provided. Rent loss not showing on EOI document.
|
Documentation received in XXX review. Document Uploaded.
|
07/01/2026
|
HOI agent provided rent loss coverage at $XXX Rent Loss Coverage Present.
|
07/01/2026
|
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
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050733
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE3653
|
Credit
|
Missing letter of explanation
|
Missing letter from borrower acknowledging consent to proceed with appraised value less than XXX.
|
Documentation received in XXX review. Document Uploaded.
|
07/01/2026
|
Client provided LOE from the Borrower stating: I acknowledge and agree to purchasing XXX ,XXX when the home value came in at XXX and the XXX
is XXX LM Updated. Cleared.
|
07/01/2026
|
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
|
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
|
|
|
409050733
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Resolved
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty. Guaranty agreement not in file
|
Documentation received, XXX to review. Document Uploaded.
|
06/11/2026
|
Personal Guaranty provided.Client provided Personal Guaranty. LM Updated.
|
06/11/2026
|
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
|
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
|
|
|
409051129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/28/2026
|
Waived
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Exception approved on page XXX for subject XXX in a rural area per
USDA (just XXX of XXX and appraisal shows suburban). No compensating factors were provided.
|
Comp factor- XXX in assets, scores of XXX/XXX, DSCR of XXX. Clear finding
|
06/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX in assets,
scores of XXX/XXX, DSCR of XXX
|
06/02/2026
|
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
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409050106
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible. XXX approved an exception to allow for rural property. Compensating factors were not provided.
|
Document Uploaded. DD to waive for B Grade. Approved exception was completed preclose. COMP FACTORS: • FICO XXX • DSCR >XXX • Excellent
reserves after closing XXX to review for exception. Please note there maybe impact to pricing.;
|
06/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • FICO XXX • DSCR
>XXX • Excellent reserves after closing.
|
06/02/2026
|
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
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409051770
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/31/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Per XXX Expanded Underwriting Guidelines, loans with a first lien loan amount greater than XXX
require XXX full appraisals completed by XXX independent appraisal companies. The loan file contains only one appraisal. Please provide the second full appraisal to comply with program requirements and support the collateral value.
|
Documentation received, XXX to review. Document Uploaded.
|
06/04/2026
|
Property/Appraisal Meets GuidelinesClient provided 2nd Appraisal. LM Updated.
|
06/04/2026
|
Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|
|
409051097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing REO Statement validating payment for XXX
|
Documentation received in XXX review. Document Uploaded. Here is the mortgage Statement for XXX showing the mortgage is escrowed. The
additional taxes/insurance were left on the 1003 by mistake. Here is an updated 1003 and updated XXX as well.
|
06/24/2026
|
Verification of taxes, insurance and HOA Fees provided.Client provided Mortgage Statement, Updated XXX and Updated 1003. Client States: Here
is the mortgage Statement for XXX showing the mortgage is escrowed. The additional taxes/insurance were left on the 1003 by mistake. Here is an updated 1003 and updated XXX as well. LM Updated.
|
06/24/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
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 is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/09/2026
|
Initial CD provided - exception resolved Initial CD provided - exception resolved
|
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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 decrease from XXX to XXX for the Lender Credit. 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. XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/09/2026
|
Initial CD provided - exception resolved Initial CD provided - exception resolved
|
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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051097
|
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 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 Loan
discount points. 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. XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/09/2026
|
Initial CD provided - exception resolved Initial CD provided - exception resolved
|
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 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative
|
Please waive for B Grade. Meets seller guidelines XXX accepted by XXX Comp factors: FICO XXX / LTV below guideline max / Job stability
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / LTV
below guideline max / Job stability.
|
06/03/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than
Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
A
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051762
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Exception approved - Comp factor XXX DSCR, FICO XXX Experienced XXX;
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, FICO XXX
Experienced XXX
|
06/04/2026
|
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
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409051732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. The appraisal report identifies the subject property to be rural,
which is an ineligible location per XXX DSCR v13 guidelines.
|
XXX: - DD to review. Comment made on revised appraisal. Please review page XXX of XXX - UNDERWRITER REQUEST: The subject property was
originally marked as Rural due to XXX situated in an area featuring properties on small acreage tracts, manufactured homes, vacant acreage tracts but also some XXX developments. Aerial photo has been added. It is situated in a communtiy known
by the locals as "XXX" and is approximatly XXX miles from I-XXX in XXX. The subject is zoned as R-XXX which is XXX rural. However, the appraiser received a request from the underwriter on XX/XX/XXXX stating "Comps look pretty close and the XXX
scene doesn't appear rural- please update it to suburban." It was changed from XXX at that time. The difference between XXX marked as suburban or rural has absolutely no impact on the marketability or value of the subject property.Documentation
received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded.
|
06/18/2026
|
Updated appraisal reflects the property's location as Suburban rather than Rural. Appraiser provided supporting commentary, street screen
photos, and proximate comparable sales demonstrating the subject is located within an established community/neighborhood setting. Review confirms the change in location classification does not adversely impact marketability or value. The issue
with the property has been resolved. XXX to Review: The revised appraisal changes the neighborhood location classification from Rural to Suburban without any commentary or market support from the appraiser. This is a material change that
impacts DSCR eligibility. Please provide an updated appraisal that includes the needed commentary for the change in neighborhood location classification from Rural to Suburban.One or more issues or defects with the property have been
discovered.
|
06/19/2026
|
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
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
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
|
A
|
|
|
409051732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing W-XXX?; ; Document for XXX
|
Documentation received in XXX review. Document Uploaded.
|
06/11/2026
|
W-XXX for XXX has been received and validated. Documentation confirms entity's legal name and TaxID number. The required form has been
uploaded to the loan file.
|
06/12/2026
|
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
|
A
|
A
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D
|
D
|
C
|
A
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D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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D
|
D
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/31/2026
|
Resolved
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage Rent loss coverage is required for the subject investment property. Evidence of Insurance reflects
Coverage D - Loss of Use in the amount of $XXX; however, documentation does not clearly confirm Rent Loss/Fair Rental Value/Loss of Rents coverage. Provide clarification or updated insurance documentation evidencing rent loss coverage.
|
Documentation received in XXX review. Document Uploaded.
|
06/11/2026
|
Rent Loss Coverage Present.Client provided Policy Declarations reflecting Fair Rental Value & E. Additional Living Expense - XXX LM
Updated.
|
06/12/2026
|
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
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
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
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCOM1228
|
Credit
|
Other Rider is Missing
|
Title Insurance Identification Rider is Missing
|
Documentation received, XXX to review. Document Uploaded.
|
06/04/2026
|
Rider has been provided. Condition resolved.
|
06/05/2026
|
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
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050650
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow account is required. Per First Payment Letter, no escrow account established at closing.
|
Please waive- exception approved- XXX FICO XXX DSCR Comp Factors: XX/XX/XXXX mos PITIA reserves XXX;
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX DSCR
and XX/XX/XXXX mos PITIA reserves.
|
06/29/2026
|
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
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050650
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Please waive- exception approved. Comp factors- XXX FICO XXX DSCR Comp Factors: XX/XX/XXXX mos PITIA reserves XXX may review for exception -
Please note there maybe impact to pricing if able to approve.;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX DSCR
and XX/XX/XXXX mos PITIA reserves.
|
06/26/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Exception approved for rural property. Comp Factor: XXX FICO XXX mos PITIA reserves XXX DSCR; Document Uploaded. Is XXX willing to do an
exception on this? Appraisal is marked Suburban Subject is <XXX Miles to XXX, and <XXX Miles to XXX, XXX Shows not Rural or underserved (XXX) ;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX DSCR.
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
The final CD reflects there was no escrow account set up as required per guidelines.
|
Escrow exception approved: Comp Factors: XXX FICO XXX mos PITIA reserves XXX DSCR Documentation received, XXX to review. Document Uploaded.
Lock Confirm (XXX) from XXX shows waived, they took a lock and hit pricing for waived escrows. Guideline shows escrow requirements when escrowed and no restriction to escrow waiver.;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX DSCR An exception with compensating factors would need to be approved by XXX for this issue. Condition remains open.
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage Provide evidence of rent loss insurance covering a minimum of XXX months market rents.
|
Documentation received, XXX to review. Document Uploaded.
|
06/05/2026
|
Rent Loss Coverage Present.
|
06/05/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051228
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. Provide XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/04/2026
|
Approval/Underwriting Summary is fully present
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
B
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409047891
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX%
|
DD to waive for B Grade. LTV covered in approved exception write up to allow XXX% LTV. Comp factors- FICO XXX months in Reserves, DSCR score
over XXX%. Vacant unit is listed currently in Apartments om;
|
06/15/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX months in
Reserves, DSCR score over XXX%. Vacant unit is listed currently in Apartments om.
|
06/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047891
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
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 XX/XX/XXXX. The Hazard Insurance effective date of
XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Therefore, revised Hazard Insurance is required to cover the note date.
|
XXX confirmation- okay to move forward due to funds not disbursed until XXX/XXX.; Please review- The wire was sent on XX/XX/XXXX for
DISBURSEMENT on XXX/XXX. This loan did not disburse until the XXX. Effective date of HOI is sufficient.;
|
06/12/2026
|
Client confirmed they are okay to proceed with the date. Condition resolved.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.Client to confirm they are okay with proceeding even though the funds sent on the disbursement worksheet and the final CD say XX/XX/XXXX as the
disbursement date. The hazard insurance policy began on XXX/XXX.
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047891
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing W9 for XXX.
|
Document Uploaded. DD to waive for B Grade. Exception Approved. Comp Factors: IRS XXX Verification ProvidedReserves post close cover XXX
months tax and insurance payments XXX FICO ; No Mortgage lates in last XXX months XXX DSCR; XXX mos PITIA Comp factors- FICO XXX months in Reserves, DSCR score over XXX%. Vacant unit is listed currently in Apartments om;
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX months in
Reserves, DSCR score over XXX%.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047891
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
As per the Final CD, taxes and insurance are marked as non-escrowed; however, according to the guidelines, taxes and insurance must be
escrowed.
|
DD to waive for B Grade. Exception Approved. Comp Factors: IRS XXX Verification ProvidedReserves post close cover XXX months tax and
insurance payments XXX FICO ; No Mortgage lates in last XXX months XXX DSCR; XXX mos PITIA Comp factors- FICO XXX months in Reserves, DSCR score over XXX%. Vacant unit is listed currently in Apartments om;
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX months in
Reserves, DSCR score over XXX%.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047891
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
XXX unit property, cash out XXX missing required lease agreements/occupancy for one of the units. A lender exception was approved for one
unit vacant at time of closing. NO compensation factors were listed, but XXX months reserves, a CDA and VOR for primary residence required (All met)
|
Document Uploaded. DD to waive for B Grade. Exception XXX - Comp factors- FICO XXX months in Reserves, DSCR score over XXX%. Vacant unit is
listed currently in Apartments om
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX months in
Reserves, DSCR score over XXX%. Vacant unit is listed currently in Apartments.
|
06/03/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049963
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
W-XXX missing in LLC name
|
Documentation received in XXX review. Document Uploaded. DD to reopen finding.Hello, Team asked me to push back and that we have the
individual W9. Would this be sufficient or do you need the LLC W9? Wanted to confirm so I can let the team know. Thank you!;
|
06/30/2026
|
W9 for business entity XXX provided and reviewed Missing Executed W-XXX for LLC.
|
06/30/2026
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409049963
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Please waive for B grade. XXX has granted exception. Comp Factors: DSCR >XXX FICO XXX points above min Excellent mortgage history
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR >XXX FICO
XXX Excellent mortgage history.
|
06/30/2026
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409050758
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FPRO0951
|
Property
|
Condo Approval Missing
|
Condo Approval Missing. The lender did not complete a full condo review which is required per XXX Expanded v12 guidelines for condo projects
locates in XXX.
|
Documentation received, XXX to review. Document Uploaded. Document Uploaded. Condo Docs XXX?; ; Documentation received in XXX review.;
|
06/24/2026
|
Documentation is sufficient. Condo Review provided. Exception resolved.Condo Approval is provided.Client provided XXX / Streamline Review.
However, XXX Expanded Eligibility Guide v12 Eligible Properties - XXX - Projects located in XXX are not eligible for limited review.
|
06/25/2026
|
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
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050758
|
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.
|
Documentation received in XXX review. Document Uploaded.
|
06/11/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
06/12/2026
|
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
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049935
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
DSCR loans require escrowhowever, the Final Closing Disclosure for this loan reflects an escrow waiver.
|
Please waive for B Grade. XXX Granted exception. Comp Factors: DSCR >XXX FICO XXX points above min Excellent mortgage history
|
06/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR >XXX FICO
XXX points above min Excellent mortgage history.
|
06/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050768
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409049422
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
Missing Lender's bank Statement calculation worksheet.
|
Documentation received in XXX review. Document Uploaded. Revised Income Calculator XXX?; ; Documentation received in XXX review. Document
Uploaded. Evidence of Large Deposit XXX. Pending revised Income Calculation Worksheets and will upload once received. Documentation received, XXX to review. Document Uploaded. Bank Statement Income Calculation Worksheet XXX.
|
06/23/2026
|
Income XXX matched to income used to quality. Large deposit sourcing was provided. Still missing income calculation worksheet to match
income used for qualifying.Received Lender worksheet which used Statements from XXX - XXX and reflects income of only XXX which does not support XXX disclosed on the final application and the XXX Original file does not contain a XXX bank
Statement. Audit calc with bank Statements in file are from XXX to XXX and result in XXX income. Provide a correct income worksheet that utilizes the Statements provided in the loan file and provide documentation to XXX ; The follow deposit is
business related: XXX on XXX.
|
06/23/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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%
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409049422
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/04/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
06/04/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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%
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Lender did not provide ATR/QM Status Determination.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX compliance report or loan detail report. Please note that this is
always included in the legal/closing package.
|
06/08/2026
|
Compliance report provided. Condition resolved.
|
06/08/2026
|
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
|
B
|
B
|
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
|
|
|
409052542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Cured
|
FCOM6928
|
Compliance
|
Final CD: Non-Escrowed Property Costs over Year XXX description is missing or inaccurate
|
Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined
the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery.
|
Documentation received, XXX to review. Document Uploaded. Please find XXX PCCD and LOE to the borrower.
|
06/08/2026
|
PCCD package with corrected non-escrowed property costs provided, exception downgraded to a 2/B.
|
06/08/2026
|
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
|
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
|
|
|
409053719
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing Title policy is not in the file only the title supplement. Lender to provide the title policy
|
Document Uploaded.
|
06/04/2026
|
Documentation is sufficient. Updated Title document provided. Exception resolved.Title Document is fully Present
|
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
|
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
|
|
|
409053719
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM1252
|
Compliance
|
TRID: Missing Loan Estimate
|
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.
|
Document Uploaded. Please see XXX, XX/XX/XXXX LE as requested.
|
06/04/2026
|
Initial LE provided, Exception resolved
|
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
|
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
|
|
|
409053719
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FPRO8998
|
Property
|
No Property Findings
|
Property and valuations related findings were not identified on the loan.
|
Informational
|
06/03/2026
|
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
|
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
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
|||
|
409051522
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Asset 1: XXX Acct# XXX has less than XXX months of Statements. Only XXX month of asset
Statement provided. The asset documentation provided does not meet guideline requirements.
|
DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement provided to document assets. Seller guides only need XXX
month and fine to proceed per review with XXX team on other loans for seller - Comp Factors: XX/XX/XXXX mos PITIA reserves XXX FICO ; No Mortgage Lates in last XXX months XXX DSCR Property is Current tenant occupied Experienced XXX.
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX mos
PITIA reserves XXX FICO ; No Mortgage Lates in last XXX months XXX DSCR Property is Current tenant occupied Experienced XXX.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
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A
|
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
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051522
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage DSCR Loan: Required rent loss insurance coverage is missing from the HOI policy.
|
DD to waive for B Grade. Exceptions Approved XXX. Comp Factors: XX/XX/XXXX mos PITIA reserves XXX FICO ; No Mortgage Lates in last XXX
months XXX DSCR Property is Current tenant occupied Experienced XXX.
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX mos
PITIA reserves XXX FICO ; No Mortgage Lates in last XXX months XXX DSCR Property is Current tenant occupied Experienced XXX.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051522
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow account required. Per First Payment Letter, no escrow account established at closing.
|
Document Uploaded. DD to waive for B Grade. Exceptions Approved XXX. Comp Factors: XX/XX/XXXX mos PITIA reserves XXX FICO ; No Mortgage
Lates in last XXX months XXX DSCR Property is Current tenant occupied Experienced XXX.
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX mos
PITIA reserves XXX FICO ; No Mortgage Lates in last XXX months XXX DSCR Property is Current tenant occupied Experienced XXX.
|
06/04/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Rescinded
|
FPRO1500
|
Property
|
HOA Questionnaire is Missing
|
HOA Questionnaire Missing. Missing required condo questionnaire
|
DD to Rescind - This is a site condo. Per FNMA review is waived on these type of properties.;
|
06/04/2026
|
XXX site condo. Finding is rescinded.
|
06/04/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required W-XXX for XXX.
|
Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: XXX Letter from IRS Documented XXX FICO XX/XX/XXXX mos PITIA
reserves XX/XX/XXXX DSCR; XXX% LTV XXX may review for exception with IRS XXX Assignment Letter provided in file for XXX.;
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Letter from IRS
Documented XXX FICO XX/XX/XXXX mos PITIA reserves XX/XX/XXXX DSCR; XXX% LTV
|
06/04/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCOM0362
|
Compliance
|
Final HUD-XXX?; ; Document is Missing
|
Final HUD-XXX?; ; Document is Missing Provide revised HUD-XXX showing payoff of existing XXX.
|
Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded.
|
06/25/2026
|
The Final CD/HUD1 showing the mortgage payoff of XXX was provided and reviewed. The Final CD/HUD1 for XXX . was not provided. The
Itemization of Amount Financed reflects the payoff amount but is not an acceptable settlement document, and does not evidence disbursement of funds. A Final CD/HUD1 showing the mortgage payoff of XXX is still required to clear this condition.
|
06/25/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing required XXX full months of Statements for XXX acct # XXX
|
Please waive for B Grade. XXX has granted an exception. COMP FACTORS: • FICO >XXX points above min • DSCR >XXX • LTV XXX% Thank you,
XXX to review for exception at Seller's request. Exception pricing may apply.Documentation received in XXX review. Document Uploaded.
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO >XXX points
above min • DSCR >XXX • LTV XXX%.Client provided Itemization of Amount Financed. Asset Record XXX Does Not Meet G/L Requirements. Missing required XXX full months of Statements for XXX acct # XXX
|
06/25/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
05/29/2026
|
Resolved
|
FCRE1155
|
Credit
|
Subject Property Address on Note does not match Insured Property Address
|
Subject Property on Note does not match Insured Property Address Property Address Incorrect: Declaration page indicates XXX . Provide
corrected declaration page.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Subject Property on Note matches Insured Property Address.
|
06/25/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing W-XXX for XXX
|
Please waive for B Grade. XXX has granted an exception. COMP FACTORS: • FICO >XXX points above min • DSCR >XXX • LTV XXX% Thank you,
XXX to review for exception at Seller's request. Exception pricing may apply.Seller has been emailed regarding the below comments. Please reopen finding.For this Condition- hello - the WX is never required. Evidence of the XXX is required and
it has been provided in file LLC - XXX XXX-XXX For the Assets Condition I accidentally added Proof of Payoff, Here is response: XXX XX/XX/XXXX of the XXX requires XXX mos of asset StatementsXXX mos is not required.
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO >XXX points
above min • DSCR >XXX • LTV XXX%.Missing W-XXX for XXX
|
06/23/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052399
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Exception approved for rural designation. Comp Factors: DSCR XX/XX/XXXX FICO XXX No late mortgage payments.Document Uploaded. Rural- Can we
get an exception? XXX Appraisal is marked Suburban Subject is <XXX Miles to XXX, PA and <XXX Miles to XXX, XXX Shows not Rural or underserved (XXX) ;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX FICO XXX
and No late mortgage payments.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409052399
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1158
|
Credit
|
Hazard Insurance Policy is XXX
|
Hazard Insurance Policy XXX Provided Per Hazard Insurance policy this is a short term rental however XXX and all documents in file show long
term rental.
|
Document Uploaded. corrected insurance and LOEDocumentation received, XXX to review.The file was underwritten most conservatively as a
vacant long-term rental with all long-term rental comps. Having insurance which permits a short-term occupancy and meets all other aspects of guide should not be a reason so suspend. This offers more coverage, not less by adding the following
endorsement. (XXX) LIMITED THEFT COVERAGE SHORT TERM
|
06/23/2026
|
Updated hazard insurance policy provided which no longer reflects short term rental. LOE from borrower also provided stating she intends to
lease the property under long term rental agreements. Condition resolved.Hazard Insurance Policy is fully present.Updated status to Open per XXX request.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409053139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Rescinded
|
FCRE1467
|
Credit
|
Asset 1 Missing
|
Asset 1 Missing. Final application reflects XXX from "Other-Proceeds from Secured Loan". Provide documentation to support assets listed on
the final application.
|
Document Uploaded. XXXRefi - CD included in loan package to be reviewed by DD. Sellers often put reserves in as secured borrowed funds when
used for reserves. DD please refer to Final CD -XXXxceeds reserve required.;
|
06/04/2026
|
Asset 1 Missing. Okay with client explanation that this is the XXX proceeds of the subject loan. Removed Asset 1 and rescinded.Provide
corrected application with "Other-Proceeds from Secured Loan" XXX revised to reflect c/o from the subject transaction.
|
06/04/2026
|
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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A
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||
|
409053139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Rescinded
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Provide an executed Lease/rental agreement, rent roll (for commercial or multifamily properties) or Property Management Statements to
qualify for Experienced borrower. Lease for the subject property initiated on XXX and does not satisfy the requirement for an income producing property.
|
DD to review. Mortgage XXX XX/XX/XXXX and borrower has owned property since XXX Lease in file does indicate this is and has been investment
property to document experience. No requirement for past leases.;
|
06/04/2026
|
Per letter of the guideline for an Experienced Borrower, A Borrower who has owned XXX XXX or more properties for at least XXX months during
the most recent XXX‐month period. One XXX property must be an income producing property (residential or commercial). Guideline does not say must document that it has been rented the entire time. We have current evidence that the property is
income-producing. Okay to proceed per rebuttal.Ownership of subject has been documented. Guidelines require an experienced borrower must verify at least one income producing property. The lease for the subject was only initiated on XXX
(documentation to support rental payments and 1st months rent not in file). Provide prior lease or lease from another property to document the borrower has a history of an income producing property.
|
06/04/2026
|
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
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||
|
409050970
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage XXX DSCR XXX XXX require XXX mos rent loss coverage. The H-XXX policy in file shows no coverage for
loss of rents.
|
Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: XXX% LTV XX/XX/XXXX DSCR; XXX FICO Property Currently tenant
occupied.;
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XX/XX/XXXX
DSCR; XXX FICO Property Currently tenant occupied.
|
06/04/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
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A
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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
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053484
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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
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A
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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
|
||||||||||||
|
409047432
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue The subject loan is paying off a HELOC mortgage. File is missing the required HELOC closure letter.
|
Documentation received, XXX to review. Document Uploaded.
|
06/24/2026
|
Property Title Issue Resolved.
|
06/24/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409047432
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
The borrower has been qualified using XXX months business bank Statements for income. XXX Expanded XXX XXX require a Business Narrative from
the borrower which has not been provided.
|
DD to waive for B Grade. Fine to proceed asXXXoes not require per their own guidelines and not considered material after review of other
loans withXXXwith XXX Team. Comp Factors: XXX% LTV XXX FICO ; No Mortgage Lates in XXX mos XXX per month residual income;
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX FICO ;
No Mortgage Lates in XXX mos XXX per month residual income
|
06/03/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has
XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051550
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required W-XXX for XXX
|
DD to waive for B Grade. Approved Exception XXX. Comp Factors: XXX Assignment provided from IRSXXX% LTV XXX FICO XXX DSCR;
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX FICO
XXX DSCR
|
06/04/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051550
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing required Asset Statement XXX to equal XXX full months and page XXX of XX/XX/XXXX
XXX Statement.
|
DD to waive for B Grade. Fine to proceed as long as minimum XXX month bank Statements documented for assets used to qualify. #XXX fine to
proceed without page XXX as all transactions listed on page provided - Not material and can be waived for B Grade. Comp Factors: XXX% LTV XXX FICO XX/XX/XXXX mos PITIA reserves XXX DSCR;
|
06/04/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX FICO
XX/XX/XXXX mos PITIA reserves XXX DSCR
|
06/04/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Document Uploaded. DD to waive for B Grade. Exception Approval uploaded. Comp Factors: XXX Not in CFPB Rural Area XXX Assignment from IRS
provided XXX Mos PITIA Reserves (Covers XXX months tax and insurance payments) XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX mosException Approved. Please note there will be XXX pricing hit to accommodate all exceptions. Exception
Review Entered - Pending CDA to escalateXXX may review for exception. Please note there maybe impact to pricing.;
|
06/17/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Not in CFPB
Rural Area XXX Assignment from IRS provided XXX Mos PITIA Reserves (Covers XXX months tax and insurance payments) XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX mos.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Missing required escrow account for XXX DSCR program
|
DD to waive for B Grade. Exception Approval uploaded. Comp Factors: XXX Not in CFPB Rural Area XXX Assignment from IRS provided XXX Mos
PITIA Reserves (Covers XXX months tax and insurance payments) XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX mosException Approved. Escrow waiver pricing in lock already.Exception in process to have cleared. Taken into account with
lock pricing.;
|
06/17/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Not in CFPB
Rural Area XXX Assignment from IRS provided XXX Mos PITIA Reserves (Covers XXX months tax and insurance payments) XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX mos.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing require Tax Payer XXX and W-XXX for XXX
|
DD to waive for B Grade. Exception Approval uploaded. Comp Factors: XXX Not in CFPB Rural Area XXX Assignment from IRS provided XXX Mos
PITIA Reserves (Covers XXX months tax and insurance payments) XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX mosException Approved. Please note there will be XXX pricing hit to accommodate all exceptions. XXX: DD to review XXX?; ;
Documentation uploaded for XXX from IRS. Exception in review for missing W9.Document Uploaded. Documentation received, XXX to reviewDocument Uploaded. XXX?; ; Documentation is for entity XXX - Needed for XXX from IRS to consider exception for
missing W9. Please upload for review and advise if unable to cure for missing W9 - At minimum need XXX assignment letter from IRS for XXX to consider exception.Document Uploaded. XXX NUMBER AS REQUESTEDDocumentation received, XXX to review.w9
immaterial - please waiveTo Consider Exception - Evidence of XXX from IRS will need documented. Unable to locate in loan package. Please upload and advise if exception to be added for review if unable to cure by obtaining W-XXX. Please note
there maybe impact to pricing. - DD to reopen finding.
|
06/17/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Not in CFPB
Rural Area XXX Assignment from IRS provided XXX Mos PITIA Reserves (Covers XXX months tax and insurance payments) XX/XX/XXXX DSCR; XXX FICO ; No Mortgage lates in last XXX mos.Client provided XXX Assignment from the IRS. Exception in review for
missing W9.XXX?; ; Documentation is for entity XXX - Needed for XXX from IRS to consider exception for missing W9. Please upload for review and advise if unable to cure for missing W9 - At minimum need XXX assignment letter from IRS for XXX to
consider exception.XXX v13 - Eligible Borrowers - Required for all Borrowers/Guarantors: All XXX must be disclosed. Personal identification is required for all material owners. Formation documents including Articles of Organization. Operating
documents including operating agreement, XXX agreement and bylaws. Certificate of XXX Executed W9. Please provided Executed W9.To Consider Exception - Evidence of XXX from IRS will need documented. Unable to locate in loan package. Please
upload and advise if exception to be added for review if unable to cure by obtaining W-XXX. Please note there maybe impact to pricing. - DD to reopen finding.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report Missing required lender third party fraud report
|
fraud report;
|
06/17/2026
|
Documentation provided is sufficient. Exception resolved.Third Party Fraud Report is provided.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required UCDP determination or CDA
|
Documentation received, XXX to reviewDocument Uploaded. SSR IS XXX - FROM INITIAL UPLOAD;
|
06/17/2026
|
UCDP report provided with CU score of XXX Condition resolved.Third party valuation product provided within tolerance.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052016
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE2008
|
Credit
|
Rent Loss Coverage Not Sufficient
|
The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No,
indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide rent loss coverage
|
Document Uploaded. Documentation received, XXX to reviewSEE HAZARD FROM INITIAL UPLOAD -FAIR RENTAL VALUE XXX may review for exception.
Please note there maybe impact to pricing.;
|
06/17/2026
|
Sufficient rent loss coverage has been provided. Condition resolved.Loss Rent Coverage is Sufficient
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409046940
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. Final XXX reflects Borrower 2 has ownership in XXX Improvements, however documentation in file
reflects only borrower one has XXX% ownership, (Operation agreement and XXX letter). XXX letter also reflects borrower is XXX. Final XXX to show corrected employment/income status.
|
Document Uploaded. Uploaded XXX please clear.
|
06/17/2026
|
Approval/Underwriting Summary is fully presentClient provided Revised XXX reflecting income for only B1. LM Updated.
|
06/22/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
A
|
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
|
D
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A
|
A
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D
|
D
|
A
|
A
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B
|
B
|
A
|
A
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B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409046940
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete. Final 1003 reflects Borrower 2 has ownership in XXX Improvements, however documentation in file reflects only
borrower one has XXX% ownership, (Operation agreement and XXX letter). XXX letter also reflects borrower is XXX. Both borrowers Final 1003 to show corrected employment status.
|
Documentation received in XXX review. Document Uploaded.
|
06/22/2026
|
The Final 1003 is Present The Final 1003 provided is not signed by the borrowers. The uploaded Final 1003 is not signed by the borrowers.
Exception remains.
|
06/22/2026
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409046940
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Provide for Non Subject property at XXX , not contained in loan file.
|
Documentation received in XXX review. Document Uploaded.
|
06/11/2026
|
Documentation provided is sufficient. Exception resolved.
|
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.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409046940
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Provide required business narrative, not contained in loan file.
|
Please waive for grade B (XXX) - comp factors XXX% LTV, DTI XXX% FICO XXX;
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, DTI XXX%
FICO XXX
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/01/2026
|
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 XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
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.
|
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.
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative.
|
Please waive for grade B- XXX- Comp factor XXX% LTV, XXX DTI, FICO XXX;
|
06/03/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, XXX DTI,
FICO XXX
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050362
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Rescinded
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% The departure residences are XXX sold after closing. The XXX Expanded Departure Residence
to be Sold, Option XXX Not Under Contract, has an option for less than XXX% equity and including the full PITIA in the DTI. Per these guidelines, the max LTV for the new loan is XXX% The property would have to be under contract for there to be
no LTV restriction on the new loan.
|
Documentation received, XXX to review. Document Uploaded.
|
06/30/2026
|
Both departure residence PITIA payments are included in the DTI. XXX indicates properties are to be retained. Guideline restrictions apply
when properties are to be rented/sold and PITIA excluded. Exception Rescinded.
|
06/30/2026
|
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
|
||
|
409050362
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Appraisal indicates property is located in an XXX and has XXX acres,
with main house with finished basement and a XXX bedrooms and XXX and XXX half bath guest house, XXX stall barn with office, wash room, tack room and half bath, XXX fenced paddocks, one with run-in barn and small chicken coop, and another large
coop. Per XXX Expanded guidelines, Unique properties or working farms, ranches or orchards are ineligible properties. Property also has a full kitchen basement with a stove. There are no appraisal comments indicating whether this was a fully
permitted addition.
|
Appraiser has a not that kitchen was permitted. Documentation received, XXX to review. Document Uploaded.
|
06/30/2026
|
Client provided Appraisal with Updated Appraiser comments: The appraiser reached out to the county office, however, had to leave a message.
Per county records, the kitchen area in the basement is finished and per an FMLS listing for the subject from XXX ; The subject had a basement kitchen. Given this, the appraiser is making the extraordinary assumption the kitchen basement was
permitted. LM Updated. Cleared. The issue with the property has been resolved.Received appraisal narrative update that States a message was left regarding the permitted kitchen. Provide confirmation the kitchen was permitted and/or the permits.
|
06/30/2026
|
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
|
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
|
|
|
409050745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Missing required QM designation/Compliance report Lender did not provide ATR/QM Status Determination.
|
Document Uploaded. Documentation received, XXX to review.;
|
06/24/2026
|
XXX provided with ATR/QM status and QM designation.
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE1342
|
Credit
|
Borrower 1 Business Bank Statements Missing
|
Borrower 1 Business Bank Statements Missing Business Bank Statements are Missing - XXX, XXX, XXX, XXX.
|
Documentation received in XXX review. Document Uploaded.
|
06/16/2026
|
Borrower 1 Business Bank Statements Provided.Client provided Bank Statements for XXX, XXX, XXX, XXX. LM Updated.Borrower 1 Business Bank
Statements Missing.
|
06/16/2026
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines Lender used a XXX% expense ratio for the XXX XXX program this is only acceptable with XXX
justification which was not provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/15/2026
|
Income and Employment Meet Guidelines.Client provided Bank Statement income calculator Reflecting XXX% Expense ratio and XXX. LM Updated.
|
06/16/2026
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
The income calculation worksheet provided by the lender was not legible
|
Documentation received in XXX review. Document Uploaded.
|
06/15/2026
|
Client provided Bank Statement income calculator Reflecting XXX% Expense ratio and XXX.
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Bank Statements from XXX XXX account was provided for XXX of deposits into XXX, however Trust Agreement reflects the Grantors as XXX XXX and
XXX. Missing documentation of ownership for XXX XXX and XXX.
|
Documentation received, XXX to review. Document Uploaded. Assignment of Grantor & Beneficiary in XXX XXX;
|
06/09/2026
|
Client provided Assignment of Grantor & Beneficiary in XXX XXX Reflecting XXX XXX assigns XXX% of right, title and interest to XXX LLC.
XXX LLC is XXX% XXX of XXX XXX. LM Updated.
|
06/09/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|
|
409051132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FVAL5524
|
Property
|
Ineligible Property
|
Final 1003 has property marked as Mixed Used property. Properties that are Mixed-use properties are not eligible per XXX Expanded v12
guidelines.
|
Documentation received, XXX to review. Document Uploaded. Final 1003 XXX
|
06/09/2026
|
Client provided Updated 1003 reflecting the property is not Mixed-Use. LM Updated.
|
06/09/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|
|
409051132
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded. Proof of appraisal delivery;
|
06/09/2026
|
Evidence of appraisal delivery provided.
|
06/09/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|
|
409052432
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409051224
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE4104
|
Credit
|
Missing explanation and supporting documentation for large deposit(s)
|
Missing Letter of Explanation for large deposit of XXX on XX/XX/XXXX (Page XXX) for Asset 1: XXX
|
Documentation received, XXX to review. Document Uploaded. XXX of Large Deposit $XXX;
|
06/11/2026
|
Client provided Settlement Statement for XXX XXX reflecting the Borrower receiving XXX from the sale. LM Updated.
|
06/11/2026
|
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
|
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
|
|
|
409051224
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/01/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. Missing XXX Approval/Underwriting Summary.
|
Documentation received, XXX to review. Document Uploaded.
|
06/05/2026
|
Approval/Underwriting Summary is fully presentClient provided XXX LM Updated.
|
06/05/2026
|
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
|
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
|
|
|
409050921
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
TRID: Missing Final Closing Disclosure Documentation required to clear exception: All testing was completed using initial CD dated
XX/XX/XXXX as the CD signed at closing is incomplete missing financial information on page XXX Please provide completed final CD for additional testing.
|
Documentation and comment received, XXX to review.; XXX is the Closing Disclosure History and CD XX/XX/XXXX & CD XX/XX/XXXX. NOTE: The
CD with page XXX is incomplete as it is preliminary CD for fees from the title company.
|
06/18/2026
|
TRID: Final Closing Disclosure Provided.
|
06/19/2026
|
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
|
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
|
|
|
409051529
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052650
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE1441
|
Credit
|
Delinquent Credit History Does Not Meet Guideline Requirements
|
Delinquent Credit History Does Not Meet Guideline Requirements Lender exceptin file. Credit events outside Guidelines. Additional conditions
of Approval: Must meet Expanded guidelines; Seller to accept pricing.
|
Exception was approved for minimum tradeline requirements: Comp Factors: verified assets of XXX million dollars, FICO XXX.
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp Factors verified assets of XXX million dollars, FICO
XXX
|
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 XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052650
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/02/2026
|
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.
|
Document Uploaded. Documentation received, XXX to review.
|
06/29/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
06/29/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX
years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
B
|
A
|
C
|
B
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
XXX: DD to waive for B Grade. Approved Exception XXX. Comp Factors: XXX FICO XXX Mos PITIA reserve XXX DSCR;
|
06/10/2026
|
Client waived exception with comp factors: Comp Factors: XXX FICO XXX Mos PITIA reserve XXX DSCR
|
06/10/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052034
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% The borrowers are XXX who are self-managing the subject. XXX DSCR XXX XXX require a max
LTV of XXX% for Self-Managing, XXX.
|
Document Uploaded. XXX: XXX to waive for B Grade. Approved Exception XXX. Comp Factors: XXX FICO XXX PITIA reserve XXX DSCR;
|
06/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX PITIA
reserve XXX DSCR.
|
06/10/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409053877
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary.
|
Documentation received in XXX review. Document Uploaded.
|
06/09/2026
|
Approval/Underwriting Summary is fully presentClient provided XXX LM Updated.
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|
|
409053025
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete. The subject is an investment property, and the Final 1003 indicates the Borrower will occupy it as a primary
residence. Please provide corrected 1003.
|
Documentation received in XXX review. Document Uploaded. URLA neeeded;
|
06/26/2026
|
The Final 1003 is Present
|
06/26/2026
|
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
|
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
|
|
|
409050612
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM4247
|
Compliance
|
Missing HUD-XXX Closing Statement
|
Provide final HUD for XXX of simultaneous loan for XXX to support no mortgage history required.
|
Documentation received in XXX review. Document Uploaded.
|
06/24/2026
|
The Final CD for the simultaneous loan located at XXX has been provided. CD reflects no payoff of the property for the XXX, and is listed on
the Final 1003, with no open mortgage. This supports the mortgage history as not required.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050612
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1174
|
Credit
|
XXX Master Insurance Policy is Partial
|
XXX Master Insurance Policy XXX Provided Master insurance policy description is for XXX, instead of the subject property address. Provide
corrected master policy with the subject property address.
|
Documentation received in XXX review. Document Uploaded.
|
06/23/2026
|
Master hazard insurance policy reviewed and confirmed to list the subject property address as XXX-XXX . Coverage acceptable. XXX Master
Insurance Policy is fully present.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050612
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Final CD reflects no escrows which violates XXX XXX Expanded DSCR guidelines.
|
Exception for escrow waiver approved: Comp Factors :FICO XXX DSCR XXX Reserves XXX months
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR XXX
Reserves XXX months.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050612
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FPRO1500
|
Property
|
HOA Questionnaire is Missing
|
HOA Questionnaire Missing. Provide HOA Questionnaire.
|
Documentation received in XXX review. Document Uploaded. Per my condo team, since this was XXX approved, no questionnaire was required. They
provided me the XXX CPM.;
|
06/17/2026
|
Condo project is FNMA approved per the provided CPM therefore an HOA questionnaire is not required under XXX project-review XXX. HOA
Questionnaire Provided.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1197
|
Credit
|
Audited FICO is less than Guideline FICO
|
Audited FICO of is less than Guideline FICO of XXX Credit Reports for B1 and B2 are missing from the loan file. XXX FICO required.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Credit report for both borrowers has been provided with a sufficient credit score. Condition resolved.Audited FICO of XXX is greater than or
equal to Guideline FICO of XXX
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FPRO1500
|
Property
|
HOA Questionnaire is Missing
|
HOA Questionnaire Missing. Provide HOA Questionnaire.
|
XXX: Please clear condition on exception for missing FNMA XXX Comp Factors: LTV XXX%, DSCR XXX Reserves XXX months, CPM
providedDocumentation and comment received, XXX to review. Document Uploaded. Per my condo team, since this was XXX approved, no questionnaire was required. They provided me the XXX CPM.
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DSCR XXX
Reserves XXX months, and CPM provided.Client provided Condo Approval. XXX State Completed XXX questionnaire (if collateral is part of XXX association). Please provided Condo Questionnaire.
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE5771
|
Credit
|
Borrower 2 Credit Report is Missing
|
Borrower 2 Credit Report is Missing. Provide B2 credit report.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Credit report for both borrowers has been provided. Condition resolved.Borrower 2 Credit Report is not missing.
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE5770
|
Credit
|
Borrower 1 Credit Report is Missing
|
Borrower 1 Credit Report is Missing. Provide B1 credit report.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Credit report for both borrowers has been provided. Condition resolved.Borrower 1 Credit Report is not missing.
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
The final CD reflects no escrows which violates XXX XXX Expanded DSCR guidelines.
|
Exception approved for escrow: Comp Factors LTV XXX%, DSCR XXX Reserves XXX months
|
06/15/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DSCR XXX
and Reserves XXX months
|
06/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. Provide XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/15/2026
|
Approval/Underwriting Summary is fully present Missing Approval/Underwriting Summary.
|
06/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
B
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050607
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCOM4247
|
Compliance
|
Missing HUD-XXX Closing Statement
|
Provide HUD on the simultaneous closing for XXX, which will support no mortgage history required.
|
Documentation received, XXX to review. Document Uploaded.
|
06/15/2026
|
The CD for this property has been provided. Condition resolved.
|
06/15/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051222
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. XXX reflects transaction as limited cash out (Fannie) Borrower received XXX at closing. Please
provided updated XXX reflecting cash out
|
Documentation received in XXX review. Document Uploaded. revised XXX;
|
06/09/2026
|
Approval/Underwriting Summary is fully present. Exception Resolved.
|
06/10/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409051850
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. Final XXX reflects transaction as a Limited cash out (Fannie) borrower received XXX at closing.
Please provide updated XXX reflecting cash out.
|
Documentation received in XXX review. Document Uploaded. revised XXX;
|
06/09/2026
|
An updated XXX has been provided showing XXX as Cash Out XXX. Condition resolved.Approval/Underwriting Summary is fully present
|
06/09/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409050084
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/02/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing.
|
Document Uploaded. Please review employment contract and continued deposits.Documents uploaded for review. Document Uploaded.
|
06/29/2026
|
Borrower 1 3rd Party VOE Prior to Close Was Provided.The business listing provided by the lender is dated XX/XX/XXXX, which is outside the
required XXX calendar day window prior to the Note date of XX/XX/XXXX. Please provide SE business-activity verification dated within XXX calendar days of the Note date to confirm the business is currently active and operating. Condition set
incorrectly as TPV of the VOE within XXX Days is not appropriate for SE borrower. It should be within XXX days of the closing date. Borrower 1 3rd Party VOE Prior to Close Was Provided.
|
06/29/2026
|
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%
|
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
|
|
|
409051984
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/02/2026
|
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 XX/XX/XXXX. Audit verified the Hazard Insurance Effective
Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX.
|
Documentation and comments received, XXX to review. Document Uploaded. loan funded XX/XX/XXXX see settlement Statement, pccd, etc.
|
06/10/2026
|
Documentation is sufficient. PCCD provided. Exception resolved.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.
|
06/10/2026
|
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
|
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
|
|
|
409049335
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Exception approved for rural property: Comp Factors XXX DSCR XXX FICO No Mortgage Late
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO
and No Mortgage Lates.
|
06/25/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409049335
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
XXX provided EXCEPTION for unestablished escrow account on a DSCR loan. p. XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/16/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX Months
Reserves, DSCR XXX.
|
06/16/2026
|
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
|
B
|
D
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409049335
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCOM1208
|
Credit
|
The Note is Incomplete
|
The Note is Incomplete Missing the full page XXX of Note.
|
Documentation received in XXX review. Document Uploaded.
|
06/16/2026
|
The Note is Present.Client provided Executed Note and Prepayment Addendum to Note. LM Updated.
|
06/16/2026
|
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
|
B
|
D
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409049335
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1204
|
Credit
|
Fraud Report Shows Uncleared Alerts
|
Fraud Report Shows Uncleared Alerts Missing SAM and XXX clearance search
|
Documentation received, XXX to review. Document Uploaded.
|
06/16/2026
|
All Fraud Report Alerts have been cleared or None Exist.Client provided XXX. LM Updated.
|
06/16/2026
|
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
|
B
|
C
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409049335
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1205
|
Credit
|
XXX Check Not Completed and/or Cleared
|
XXX Check Not Completed and/or Cleared Missing XXX clearance search
|
Documentation received, XXX to review. Document Uploaded.
|
06/16/2026
|
XXX Check Completed and Cleared.Client provided XXX, XXX and XXX searches. LM Updated.
|
06/16/2026
|
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
|
B
|
C
|
A
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409052057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX).
|
Documentation and comment received, XXX to review.Good afternoon, The loan amount to this loan XXX Isn’t that sufficient? Why would it need
to be XXX? Please advise. XXX Thanks!;
|
06/10/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
06/11/2026
|
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
|
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
|
|
|
409052057
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
The appraisal report identifies the subject property to be tenant occupied, but the lease agreement was not provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/09/2026
|
Client provided Lease agreement. LM Updated.
|
06/10/2026
|
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
|
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
|
|
|
409053555
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Assets are business accounts. Missing operating for XXX and XXX .
|
Documentation received in XXX review. Document Uploaded. Please see XXX XXX letters.;
|
06/09/2026
|
Asset Qualification Meets Guideline Requirements.Client provided XXX Letters reflecting the Borrower as XXX% XXX of XXX , XXX and XXX .
The XXX letters also State: Use of funds from these businesses for the purpose of this transaction should not have a negative effect on business XXX. Large deposits and withdrawals are typical within this line of business. Further, I have no
ownership affiliation with the borrower's business. LM Updated.
|
06/09/2026
|
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
|
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
|
|
|
409053555
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Rescinded
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. The appraisal report identifies unit #XXX as vacant, but it has a
lease in place with a beginning date of XX/XX/XXXX.
|
DD to review - Appraisal date was XX/XX/XXXX before lease started on XX/XX/XXXX.;
|
06/09/2026
|
Appraisal date was XX/XX/XXXX before lease started on XX/XX/XXXX. Appraisal was accurate at the time of review.The issue with the property
has been resolved.
|
06/09/2026
|
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
|
||
|
409053434
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage Missing evidence of hazard insurance including rent loss coverage.
|
Documentation received, XXX to review. Document Uploaded. LOR = Loss of Rent coverage $XXX;
|
06/09/2026
|
Rent Loss Coverage Present.Missing rent loss insurance coverage.Client provided Evidence of Property Insurance reflecting Loss of Rent XXX
LM Updated.
|
06/09/2026
|
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
|
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
|
|
|
409053434
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy Provide hazard policy supporting sufficient coverage and rent loss insurance.
|
Documentation received, XXX to review. Document Uploaded. LOR = Loss of Rent coverage XXX Hazard also included on this page for $XXX;
|
06/09/2026
|
Hazard Insurance Policy is fully present.Client provided Evidence of Property Insurance. LM Updated.
|
06/09/2026
|
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
|
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
|
|
|
409050807
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Rescinded
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue Missing required Spousal Consent for Community property State
|
XXX response- The disclaimer deed was provided with the intial upload- page XXX
|
06/15/2026
|
XXX States: XXX response- The disclaimer deed was provided with the initial upload- page XXX Verified. LM Updated.
|
06/15/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409051120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
06/23/2026
|
Rate Lock sheet provided. Condition resolved.
|
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
|
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
|
||
|
409051120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Rescinded
|
FCRE8506
|
Credit
|
Application Profile Missing
|
The subject loan has been approved as a DSCR loan which requires a signed Borrower Consent to Contact form. A Standard 1003 can be
usedhowever, the standard form and standard 1003 have not been provided.
|
Documentation received, XXX to review. Document Uploaded.
|
06/22/2026
|
Contact consent form not required on DSCR. Exception Rescinded.
|
06/23/2026
|
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
|
||
|
409051120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
The file is missing the Lender's DSCR calculation worksheet.
|
Documentation received, XXX to review. Document Uploaded.
|
06/22/2026
|
Documentation has been provided. Condition resolved.
|
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
|
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
|
|
|
409051120
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. File does not contain a XXX or any Lender Approvals.
|
Documentation received, XXX to review. Document Uploaded.
|
06/22/2026
|
Approval/Underwriting Summary is fully present
|
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
|
B
|
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
|
|
|
409053015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FPRO1242
|
Property
|
Appraisal is Missing
|
Appraisal is Missing. The required full appraisal is missing. Only the Desk Review/CDA was provided on page XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/22/2026
|
The appraisal report has been provided. Condition resolved.Appraisal is Present or is Waived
|
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
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Third Party Valuation Product from the loan file. This
as XXX loan.
|
Documentation received, XXX to review. Document Uploaded.
|
06/22/2026
|
Third party valuation product provided within tolerance.
|
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
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053015
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
06/09/2026
|
The Rate Lock sheet was provided. Condition resolved.
|
06/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409053002
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/03/2026
|
Resolved
|
FPRO1242
|
Property
|
Appraisal is Missing
|
Appraisal is Missing. The required full appraisal is missing. Only the desk review was provided on page XXX
|
Documentation received, XXX to review. Document Uploaded. appraisal, appraisal review and CDA uploaded for correct addressDocumentation
received, XXX to review. Document Uploaded. uploaded appraisal report;
|
06/24/2026
|
Correct appraisal for XXX was provided and reviewed. Appraisal is Present or is Waived Received an appraisal for property address XXX/XXX,
XXX, . The CDA address is XXX-XXX. The Note address is XXX. The title commitment reflects XXX. XXX search pulls up both addresses. Pulled up the addresses using XXX and the properties are similar but different properties. Provide an appraisal
for XXX, XXX, XXX
|
06/26/2026
|
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
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053002
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
The required W-XXX on page XXX is blank.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Received W-XXX for the LLC.
|
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
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409046954
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-XXX from sale of non-subject property
|
Need final HUD from sale of XXX.
|
Documentation received in XXX review. Document Uploaded. Borrower has not yet sold the property, uploaded is the intent to sell;
|
06/11/2026
|
PITIA XXX for REO XXX since is it not sold yet. Loan meets Lender Guidelines, to allow departure residence to be sold without adding PITIA.
|
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.
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409046954
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
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.
|
Comment received, in XXX review.; XXX does not have affiliates;
|
06/11/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
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.
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409046954
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Missing required XXX justification for usage of reduced expense ratio of XXX% per XXX XXX
program guidelines
|
Documentation received in XXX review. Document Uploaded.
|
06/09/2026
|
Lender used XXX% expense factor without XXX letter per email on pg XXX in loan file.Income and Employment Meet Guidelines.Income and
Employment Do Not Meet Guidelines.Income and Employment Meet Guidelines.
|
06/09/2026
|
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.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053967
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053963
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. DSCR loans do not include any income outside of the rental income the property produces;
however, lender included a WVOE for the borrower.
|
Please waive for B grade: Comp factors: FICO XXX; DSCR >XXX; Experienced XXX
|
06/09/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR
>XXX; Experienced XXX
|
06/09/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053961
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCOM3813
|
Credit
|
XXX Contract does not Match Final CD
|
The final CD does not reflect the correct XXX when compared to the XXX . Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a) (3) (vii).
Seller Credit amount exceeds the total closing cost: Seller Credit of $XXX exceeds the total closing cost of $XXX. The difference of XXX has been reduced from the contract XXX in the Property screen and the XXX overage has been added to the
Interested XXX Overage tab in the Asset Screen.
|
Documentation received, XXX to review. Document Uploaded.
|
06/12/2026
|
Client provided Amended Escrow Instructions reflecting Updated terms of the agreement. LM Updated.
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053961
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. XXX is incomplete. Need Legible XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/11/2026
|
A legible copy of the XXX was provided. Condition resolved.Approval/Underwriting Summary is fully present
|
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
|
A
|
B
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053961
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
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FCOM3849
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Compliance
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Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))
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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.
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Documentation received, XXX to review. Document Uploaded.
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06/10/2026
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appraisal delivery provided, exception resolved Evidence of appraisal delivery provided.
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06/10/2026
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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 | Borrower has stable job time - Borrower has XXX years on job.
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409051561
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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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ATR/QM: Exempt
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Loan Review Complete
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06/04/2026
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Resolved
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FCRE2008
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Credit
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Rent Loss Coverage Not Sufficient
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The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No,
indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Hazard reflect rent loss coverage of XXX Provide rent loss coverage for a minimum of XXX months.
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XXX- please clear finding- insurance reflects $XXX in loss of use. This meets guidelines.
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06/18/2026
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XXX States: XXX- please clear finding- insurance reflects $XXX in loss of use. This meets guidelines.
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06/18/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051561
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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ATR/QM: Exempt
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Loan Review Complete
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06/04/2026
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Rescinded
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FCRE1146
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Credit
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Title Document is XXX Present
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Title Document is incomplete or only XXX present. XXX is a community property State. Provide spousal consent.
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Please clear - borrower is not married and would not be required to provide spousal consent.
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06/18/2026
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Exception rescinded. An unmarried borrower does not need to provide a spousal commitmentTitle Document is fully Present.
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06/18/2026
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409051561
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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ATR/QM: Exempt
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Loan Review Complete
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06/04/2026
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Resolved
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FCRE1194
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Credit
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Audited LTV Exceeds Guideline LTV
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Audited LTV of XXX% exceeds Guideline LTV of XXX% Self-managing First time XXX max LTV is XXX%. XXX% exceeds maximum allowed per guidelines.
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XXX Response- there is a lease in file that supports borrowers are not first time XXX. Please remove finding.
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06/12/2026
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Audited LTV of XXX% is less than or equal to Guideline LTV of XXX%XXX States: XXX Response- there is a lease in file that supports borrowers
are not first time XXX. Please remove finding. Verified. LM Updated.
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06/15/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409051561
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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ATR/QM: Exempt
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Loan Review Complete
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06/04/2026
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Resolved
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FCRE1201
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Credit
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Third Party Fraud Report not Provided
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Missing Third Party Fraud Report. Provide Fraud Report with all high alerts cleared, XXX and exclusionary list.
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Documentation received, XXX to review. Document Uploaded.
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06/09/2026
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Third Party Fraud Report is provided.Client provided Fraud Report with all high alerts cleared, XXX and exclusionary list. LM Updated.
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06/10/2026
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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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409052332
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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ATR/QM: Exempt
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Loan Review Complete
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06/05/2026
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Waived
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FCRE8201
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Credit
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Loan does not conform to program guidelines
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Lease Greater Than XXX-Year Term Not Allowed: Unit XXX: XXX (Has a XXX-Year Lease Term – Page XXX)
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Exception approved for lease: Comp factors :DSCR XXX FICO XXX?; ; Documentation received, XXX to review. Document Uploaded.
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07/08/2026
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Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX FICO
XXX.Client provided Email stating: Lease Greater Than XXX-Year Term Not Allowed: Unit XXX: XXX (Has a XXX-Year Lease Term). – The LO would like to ask for an exception, the LO agrees the current lease is for a XXX-year term, however it expires
XXX/XXX. XXX to review.
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07/08/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
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409052587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
06/05/2026
|
Resolved
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FCRE1491
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Credit
|
Asset Qualification Does Not Meet Guideline Requirements
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Asset Qualification Does Not Meet Guideline Requirements. XXX month of bank Statements provided for XXX Bank XXX dated XX/XX/XXXX.
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Document Uploaded. Please see XXX communication. My contact is stating that the date in the lower left-hand corner is when their form was
revised, not the current date.; ; ; Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review.
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06/30/2026
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Client provided Email stating: Yes, the document is legally valid. The date in the lower right corner is the form revision date, which
simply indicates when the template was last updated or published by the issuing organization. [XXX] The date written at the top or in the body of the document (XX/XX/XXXX) is the execution date, which is the day the specific transaction
occurred, the form was filled out, or the agreement became active. Client provided Transaction for XXX from XX/XX/XXXX through XX/XX/XXXX. LM Updated. Cleared.Asset Qualification Meets Guideline Requirements.Documentation provided has
inconsistencies. Reopened condition per XXX request. Documentation provided is sufficient. Exception resolved.Asset Qualification Meets Guideline Requirements.
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06/30/2026
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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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409052587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE2900
|
Credit
|
Borrower Non-XXX Identification Document Missing
|
Non XXX Borrower is missing Identification Document. Non XXX Borrower is missing Identification Document.
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Document Uploaded. Documentation received, XXX to review.
|
06/30/2026
|
Borrower Identification Document provided.Borrower Identification Document provided.Documentation provided is cut off. Please provide a full
picture of the borrower's identification document. Borrower Identification Document provided.
|
06/30/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has
stable job time - Borrower has XXX years on job.
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409052587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE0360
|
Credit
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Borrower correspondence with the property management
company supports intent to occupy the subject property, as the borrower requested early termination of the current lease due to the XXX of a primary residence and anticipated closing on XX/XX/XXXX. However, documentation evidencing the final
termination of the lease was not provided.
|
Documentation received, XXX to review. Document Uploaded.
|
06/18/2026
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not XXX present.
|
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.
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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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A
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409052587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. Per XXX guidelines, acceptable documentation must be provided to verify the borrower's
self-employment. The file contains a third-party verification; however, the verification is for XXX, who is not the borrower on this loan. The borrower is XXX. Please provide acceptable third-party documentation or other eligible
documentation verifying the borrower's self employment.
|
Document Uploaded. Documentation received, XXX to review.; I am so sorry. I didn't catch that when I capture the screen print, it didn't
have the date. Please see revised from today with the date.; ; ; Documentation received in XXX review. Document Uploaded.
|
06/18/2026
|
Borrower 1 3rd Party VOE Prior to Close Was Provided.Because the VVOE is not timestamped, the date of verification cannot be established to
confirm compliance with guideline limits. Exception remians.
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has
stable job time - Borrower has XXX years on job.
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D
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A
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D
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A
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D
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A
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C
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409052587
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE6019
|
Credit
|
Borrower 1 XXX?; ; Documentation not provided
|
Borrower 1 XXX?; ; Documentation not provided. The documentation provided is not a full picture of the borrower's identification. Condition
opened per XXX's request.
|
06/18/2026
|
XXX ; Documentation is provided.
|
06/29/2026
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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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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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409052587
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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
|
06/04/2026
|
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 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.
|
Documentation received in XXX review. Document Uploaded.
|
06/15/2026
|
Valid COC provided - exception resolved Valid COC provided - exception resolved
|
06/15/2026
|
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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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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409052467
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XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. The Borrowers are using XXX business bank accounts for asset qualification. The
XXX accounts with XXX (#XXX, #XXX, & #XXX) are all under XXX different businesses, none of which are the business verified as the XXX. In order to use these funds, verification that the borrowers have XXX% vested interest & full access
to these business funds is required. In addition, the Co-Borrower also has XXX accts with XXX (#XXX & #XXX) that are held jointly with his spouse. A XXX% access letter is required and has not been provided.
|
Documentation received in XXX review. Document Uploaded. Access LetterDocumentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Asset Qualification Meets Guideline Requirements.Client provided signature cards for XXX acct# XXX showing the borrower as the Signor is
sufficient. Still awaiting XXX% access letter is required and has not been provided for Co-Borrower 2 accts with XXX (#XXX & #XXX) that are held jointly with his spouse.
|
06/29/2026
|
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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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
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051444
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
Waived
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
Borrower does not have XXX tradelines open for XXX months and active within XXX; nor three reporting recent activity. XXX card does not
appear on the credit report. Evidence would be needed to show this account meets the seasoning requirement in order to use it as a qualifying tradeline. The lender’s minimum tradeline requirements have not been met per guidelines.
|
Comp factors- LOW LTV-XXX%, DTI XXX% Bank Statement loan, FICO XXX minimal credit user, XXX years XXX, XXX years in home. Document Uploaded.
Exception approved for this- see XXX.;
|
06/24/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low LTV-XXX%, DTI
XXX% Bank Statement loan, FICO XXX minimal credit user, XXX years XXX, XXX years in home.
|
06/24/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051444
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE7496
|
Credit
|
Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments
|
HOA fees as per Appraisal is XXX per monthnthly however lender has used XXX per monthnthly however verified on XXX XXX search it shows XXX
per monthnthly. Requesting for HOA document with correct monthly HOA.
|
Documentation received, XXX to review. Document Uploaded. HOA Statement;
|
06/24/2026
|
HOA Statement provided confirming XXX monthly payment. Condition resolved.
|
06/24/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051444
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/05/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded. Appraisal Delivery ConfirmationDocumentation received, XXX to review. Document
Uploaded. Appraisal Payment Summary
|
06/22/2026
|
Evidence of appraisal delivery provided.Appraisal invoice reviewed and does not validate that the borrower received the appraisal report.
Please provide verification when the borrowers received the appraisal. Exception retained.
|
06/22/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050914
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
File does not contain a required escrow for taxes and insurance which is required for XXX DSCR program. A lender exception was granted for
this. No compensating factors were listed.
|
Exception for escrow approved. Comp Factors LTV XXX% DSCR XXX FICO XXX
|
06/11/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX% DSCR XXX
FICO XXX
|
06/11/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051492
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exceeds maximum LTV of XXX% for a First Time XXX who intends to self-manage as
indicated by the lease agreements in the loan file. File is missing sufficient documentation to qualify as an Experienced XXX LTV. Provide sufficient documentation to support the borrower has an income producing property. Subject leases all
began on April or May of XXX Provide proof of receipt of security deposits and recent months rents along with prior executed lease agreements.
|
Document Uploaded. XXX: DD To review and waive for B Grade. Please see XXX exception for XXX course after close with LTV. Lease meets
guidelines prior to not date. Comp Factors: XXX FICO XXX mos PITIA reserves XXX DSCRException was Approved. Price will have impact of XXX for exception approval. Seller to confirm for exception to waive. XXX: Executed lease prior to note date.
Security deposit not needed. Per Guidelines: currently active lease with a minimum initial term of XXX months, between unrelated parties. XXX reviewing for exception for property management coursework after note date with LTV Max of XXX% DD to
review lease requirements and update and reopen pending exception review by XXXAdvise if Exception to be requested - Evidence of Experience for self management after note date.; ; ; Documentation received in XXX review. Document Uploaded. docs
neededPlease upload documentation borrower is experienced XXX as defined in XXX DSCR guidelines to cure.Please notify XXX if unable to Cure. Can review for LTV exception if unable to document required experience for self management of property
- Please note maybe impact to pricing.;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX DSCR.Client provided Certificate of Completion for Introduction Online Training for Property Management Certificate Course. However, the document is dated XX/XX/XXXX and the Note date is XX/XX/XXXX. Audited LTV of XXX%
exceeds Guideline LTV of XXX% XXX% LTV exceeds maximum LTV of XXX% for a First Time XXX who intends to self-manage as indicated by the lease agreements in the loan file. File is missing sufficient documentation to qualify as an Experienced XXX
LTV. Provide sufficient documentation to support the borrower has an income producing property. Subject leases all began on April or May of XXX Provide proof of receipt of security deposits and recent months rents along with prior executed
lease agreements.
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051492
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
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 XX/XX/XXXX. Hazard insurance effective XX/XX/XXXX is after
the disbursement date of XX/XX/XXXX. Provide evidence of insurance in effect at time of close.
|
Documentation received in XXX review. Document Uploaded. Lease doc that was needed Advise if unable to cure evidence of rent loss coverage -
XXX may review for exception. Please note there maybe impact to pricing.Documentation received in XXX review. Document Uploaded. rent lossSeller to Advise if unable to cure - XXX may consider for exception but may have impact on
pricing.Documentation received, XXX to review. Document Uploaded. hoi needed
|
06/16/2026
|
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.Client provided Letter from XXX stating: The property has XXX months rental value coverage. LM Updated.Client provided LOE for Ownership with XXX month history. Received Insurance in effect at time of close. Document provided
does not reflect required rent loss coverage. Provide HOI in effect at time of close with sufficient rent loss coverage. Received Insurance in effect at time of close. Document provided does not reflect required rent loss coverage. Provide HOI
in effect at time of close with sufficient rent loss coverage.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051492
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. Provide XXX
|
Documentation received, XXX to review. Document Uploaded. XXX needed;
|
06/16/2026
|
Approval/Underwriting Summary is fully presentClient provided XXX LM Updated.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
B
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051492
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/05/2026
|
Resolved
|
FPRO1251
|
Property
|
Property Zoning Does Not Meet Program Requirements
|
The appraisal is XXX (Grandfathered Use). Appraiser additional comments indicate the subject is currently an allowable use and can be
re-built if destroyed within XXX months. Appraiser to clarify re-build comment and parameters. May require XXX to review.
|
Documentation received in XXX review. Document Uploaded.
|
06/12/2026
|
Documentation provided is sufficient. Exception resolved.
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052525
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Missing Lease Agreement for XXX. Per appraisal property has a current tenant and per Lender's guidelines a signed lease would be required to
support gross rent and which is the lower of the lease or market value.
|
Documentation received in XXX review. Document Uploaded.
|
06/11/2026
|
Rental lease provided. Condition resolved.
|
06/12/2026
|
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
|
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
|
|
|
409051524
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing second consecutive month Statement for XXX #XXX
|
Documents uploaded for review. Document Uploaded.
|
06/18/2026
|
Documentation is sufficient. Asset Statement provided. Exception resolved.Asset Record XXX Meets G/L Requirements Or XXX.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051524
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX%
|
Exception approved- Comp factors- XXX years mortgage history, XXX FICO , XXX months reserves,
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years mortgage
history, XXX FICO , XXX months reserves.Borrowers are considered first-time XXX as their investment property has only been owned for XXX months. Max LTV is XXX%. The client approved an exception to allow for XXX% LTV. No compensating factors
provided.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051524
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% As per the XXX contract, the
XXX is XXX% which exceeds the lender’s guideline of a maximum interested party contribution of XXX%
|
Please waive for grade B- Comp factors- XXX years mortgage history, XXX FICO , XXX months reserves,
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years mortgage
history, XXX FICO , XXX months reserves.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050550
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/04/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation is missing from the file and is required
per guidelines.
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Client provided XXX CDA. LM Updated. Cleared.Third party valuation product provided within tolerance.
|
07/14/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
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
|
A
|
|
|
409050550
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statements provided for XXX dated XX/XX/XXXX.
|
Please see XXX Statement ending in April Thank you, XXXBank Statement is showing uploaded in Supporting Document? Was able to open and view,
please advise if unable to view. XXX may consider exception waiver if unable to cure.Documentation received, XXX to review.;
|
07/02/2026
|
April and May Statements for XXX account #XXX have been provided. Condition resolved.Asset Qualification Meets Guideline Requirements.System
says document received, but nothing uploaded here or in DD2. Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statements provided for XXX dated XX/XX/XXXX.
|
07/02/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050955
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
||||||||||||
|
409052547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Borrower XXX another investment property with C/O of XXX XXX used for CTC on
subject. The Note provided for the refi is in the name of XXX . No ownership documents have been provided confirming XXX% ownership of the LLC by the borrower or XXX allowing Borrower 1XXX% access to the XXX funds.
|
Documentation received in XXX review. Document Uploaded. please see XXX;
|
06/17/2026
|
Asset Qualification Meets Guideline Requirements.Client provided IRS XXX assignment, XXX (Borrower) and Articles of Organization for XXX .
LM Updated.
|
06/17/2026
|
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
|
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
|
|
|
409052547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance
binder reflects dwelling coverage of XXX with not extensions of coverage. XXX reflects replacement amount is XXX
|
Comment received, XXX to review.Please re-review dwelling coverage has comment (XXX% Guaranteed Replacement Cost) which means the full XXX
is covered regardless dwelling limit. Please clear.;
|
06/17/2026
|
The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
06/17/2026
|
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
|
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
|
|
|
409054309
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE0382
|
Credit
|
Assets do not meet guideline requirements
|
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Asset 1: XXX
Retirement Savings has a balance of $XXX. Per guidelines, only XXX% (Retirement Accounts) eligible for calculation of funds, resulting in a qualifying balance of $XXX. Asset 2: XXX Acct#XXX has less than XXX months of bank Statements provided
in the loan file. Total Qualifying/Liquid Assets Available for Close/Reserves are XXX resulting in a Reserve and Asset shortage.
|
Documentation received in XXX review. Document Uploaded. Statement showing funds XXX XXX to settlement agent and XXX of funds came from
Heloc. XXX
|
06/22/2026
|
Client provided HELOC Statements and XXX account Statement dated XX/XX/XXXX reflecting deposits from HELOCs and CTC wire in the amount of
XXX LM Updated.Funds are found to meet guidelines.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054309
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. The Rent Loss Coverage is missing from the HO-6 Policy and the Condo Master Insurance Policy.
|
Exception was approved for rent loss: Comp factors DSCR XXX FICO XXX no mortgage late.Documentation received in XXX review. Document
Uploaded.
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX FICO XXX
no mortgage late.Rent loss insurance was provided however, it did not reflect sufficient insurance. The guidelines require a minimum of XXX months for the subject property for the greater of in place or market rent. The market rent was XXX per
month per the Short Term Rental Rent Schedule provided by the appraiser. The market rent of XXX x XXX months = XXX needed for coverage. The insurance policy only reflected XXX for loss of use.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCOM4247
|
Compliance
|
Missing HUD-XXX Closing Statement
|
Provide final HUD for XXX of XXX. The appraisal indicates a shared XXX between XXX-XXX and XXX with both properties owned by same seller
and under contract to same borrower.
|
Documentation received, XXX to review. Document Uploaded. See XXX settlement Statement for property XXX-XXX.
|
06/17/2026
|
The Settlement Statement was provided showing the borrower's LLC as XXX. Condition resolved.
|
06/19/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE1146
|
Credit
|
Title Document is XXX Present
|
Title Document is incomplete or only XXX present. The appraisal indicates the subject property and XXX-XXX share a XXX. Provide maintenance
contract for shared XXX. Did these properties share same XXX?
|
Documentation and comment received, XXX to review. Document Uploaded. The appraiser comments there's no road/maintenance agreement since
both properties are owned by same XXX. See tax cert/map search confirming same owners and separate XXX.;
|
06/17/2026
|
Title Document is fully Present.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete. B2 credit report reflects a mortgage with XXX with an original loan amount of $XXX. The fraud report reflects
this mortgage is XXX with REO at XXX. Provide a corrected 1003 with this property disclosed. The credit report for B1 reflects a mortgage with XXX with a high credit of XXX and verified on the Fraud Report as affiliated with REO at XXX .
Provide corrected 1003.
|
Documentation received in XXX review. Document Uploaded. Please see XXX revised 1003 adding the additional properties;
|
06/17/2026
|
The Final 1003 is Present
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX% LTV exceeds XXX% guideline maximum for a first time XXX. BX only reflects ownership
in current primary residence and ownership in XXX as of XXX which does not meet the experienced XXX guidelines resulting in a maximum LTV/CLTV/HCLTV of XXX%.
|
Please waive for grade B (not required for XXX) - DSCR XXX FICO XXX months XXX mortgage history;
|
06/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX FICO XXX
months XXX mortgage history.
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. Provide evidence of rent loss coverage for a minimum of XXX months.
|
Please waive for grade B (not required for XXX) - DSCR XXX FICO XXX months 0x30 mortgage history;
|
06/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors: DSCR XXX FICO XXX months 0x30
mortgage history
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050009
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Provide W-XXX for LLC
|
Please waive for grade B (not required for XXX) - DSCR XXX FICO XXX months 0x30 mortgage history;
|
06/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX FICO XXX
months 0x30 mortgage history
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052341
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/08/2026
|
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 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 rush fee added to LE XX/XX/XXXX without a COC or other supporting documentation.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
07/06/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a
2/BUpdated cure amount to XXX due to the appraisal rush fee added without a valid COC
|
07/07/2026
|
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
|
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
|
|
|
409050950
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage.
|
Please waive for Grade B - Not required for XXX. Comp factors- XXX% XXX FICO XXX;
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, XXX DSCR,
and XXX FICO .
|
06/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050950
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Resolved
|
FCRE1173
|
Credit
|
XXX Master Insurance Policy is Missing
|
Missing XXX Master Insurance Policy. The XXX is shown as PUD (XXX) however, the individual coverage does not cover the loan amount, and the
master policy is missing from the loan file.
|
Documentation received in XXX review. Document Uploaded.
|
06/30/2026
|
Client provided XXX Master Policy. LM Updated. Cleared. XXX Master Insurance Policy is fully present.
|
06/30/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050950
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Rescinded
|
FCRE2840
|
Credit
|
Subordinate lien does not meet guideline requirements
|
Final 1003 reflects XXX #XXX is XXX with subject property, but title commitment has no liens reflected. Provide evidence this lien was
closed.
|
Comment received, XXX to review.SEE PAGE XXX OF YOUR XXX PACKAGE--THE XXX ACCOUNT SHOWS ZERO BALANCE AND CLOSED --THIS CONDITION IS NOT
VALID. PLEASE WAIVE
|
06/18/2026
|
Credit Report dated XX/XX/XXXX on page XXX of Loan file shows XXX in Full and Closed.
|
06/18/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409050950
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/08/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Missing an established escrow account for taxes and insurance as required per guidelines.
|
Please waive for Grade B - Not required for XXX. Comp factors- XXX% XXX FICO XXX;
|
06/10/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX.XX% LTV, XXX
DSCR, and XXX FICO .
|
06/11/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052605
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
The lender’s minimum tradeline requirements have not been met per guidelines. The client approved a pre-close exception for the borrower not
meeting trade line requirements. No compensating factors were provided.
|
Document Uploaded. XXX: DD to waive for B Grade. Exception Approved Preclose. COMP FACTORS: • FICO XXX • DTI XXX% • Borrower is a limited
user of credit • Excellent reserves after closing (>XXX mo)
|
06/11/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX • DTI XXX%
• Borrower is a limited user of credit • Excellent reserves after closing (>XXX mo)
|
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.
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052318
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Per Guideline maximum
Interested Party Contribution for Investment properties is XXX% of the XXX which is XXX and Seller provided a credit of XXX which exceeds guidelines max
|
Please waive for grade B (not limited in XXX) - Comp factors- XXX years credit history, DSCR XXX FICO XXX
|
06/11/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years credit
history, DSCR XXX FICO XXX
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing all business entity formation documents for XXX
|
XXX- Exception approved, please waive finding. Comp factors- XXX% LTV, FICO XXX Experienced homeownerDocumentation received in XXX review.
Document Uploaded. Per SOS and XXX XXX ; The "XXX," previously referred to as "XXX". Documentation received in XXX review. Document Uploaded.
|
06/24/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, FICO XXX
Experienced homeownerClient States: Per SOS and XXX XXX ; The "XXX," previously referred to as "XXX". Client also provided W-XXX for Borrower. Still need Executed W-XXX for XXX Reflecting XXX.Client provided Certificate of Formation, XXX and
IRS XXX assignment for XXX. Please provide Executed Entity W-XXX and Certificate of XXX for XXX.
|
06/25/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FPRO0383
|
Property
|
FEMA Post Disaster Inspection Report not Provided
|
The subject property is a FEMA disaster casehowever, the inspection report was not provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/15/2026
|
FEMA Post Disaster Inspection report was provided.Client provided Disaster Area Inspection reflecting No Apparent Damage. LM Updated.
|
06/16/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
XXX DSCR XXX Guidelines require escrow account to be established for property taxes and insurance premium(s). No escrow account was
established at origination.
|
XXX Response- approved exception for escrow waiver. Comp factors - >XXX years XxXX mortgage history, FICO XXX XXX% LTV;
|
06/12/2026
|
Client waived exception with comp factors: >XXX years XXX mortgage history, FICO XXX XXX% LTV
|
06/12/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053054
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required business narrative for XXX XXX program
|
Please waive for B Grade. Meets seller guidelines XXX accepted by XXX Comp factor: FICO XXX / DTI lower than max / LTV XXX%;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DTI lower
than max, and LTV XXX%
|
06/12/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053279
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409051495
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow account required. Per First Payment Letter, no escrow account established at closing.
|
XXX: DD to waive for B Grade. Approved Exception XXX. Comp Factors: Post Close reserves that would cover XXX mos rent loss and XXX mos tax
and insurance payments XXX FICO ; No Mortgage lates in last XXX mos Experienced XX/XX/XXXX DSCR;
|
06/11/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Post Close reserves
that would cover XXX mos rent loss and XXX mos tax and insurance payments XXX FICO ; No Mortgage lates in last XXX mos Experienced XX/XX/XXXX DSCR
|
06/11/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051495
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
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Missing rent loss insurance coverage. Required rent loss insurance coverage is missing from the HOI policy (Page XXX).
|
Document Uploaded. XXX: DD to waive for B Grade. Approved Exception XXX. Comp Factors: Post Close reserves that would cover XXX mos rent
loss and XXX mos tax and insurance payments XXX FICO ; No Mortgage lates in last XXX mos Experienced XX/XX/XXXX DSCR;
|
06/11/2026
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Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Post Close reserves
that would cover XXX mos rent loss and XXX mos tax and insurance payments XXX FICO ; No Mortgage lates in last XXX mos Experienced XX/XX/XXXX DSCR
|
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
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D
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B
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D
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B
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D
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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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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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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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B
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A
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A
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|
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409052613
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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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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/09/2026
|
Resolved
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FCRE7347
|
Credit
|
Missing Lease Agreement
|
Missing Rental agreement supporting gross rent of XXX per month for XXX XXX
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Documentation received, in XXX review. Document Uploaded. Please see XXX.
|
06/22/2026
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Executed lease agreement provided for property located at XXX ., XXX at XXX monthly.
|
06/23/2026
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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%
|
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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|
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409052613
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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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Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/09/2026
|
Rescinded
|
FCRE1441
|
Credit
|
Delinquent Credit History Does Not Meet Guideline Requirements
|
Delinquent Credit History Does Not Meet Guideline Requirements. Subject property payment history reflects XXX and XXX in early XXX?; ;
Documentation was provided that the borrower was granted a forbearance during XXX. No modification was required
|
Finding doe snot appear to be valid. Late payment over XXX months ago. Modification of DOT in loan package as well over XXX months old.;
|
06/12/2026
|
Looking at this further, I think what happened was they were in forbearance and the deferred balance was filed as a XXX Claim lien (since
the first lien is an FHA loan). So the first lien was technically not modified which is confirmed with the credit report. Given this, it would not need to meet XXX months payment history. XXX is acceptable.
|
06/12/2026
|
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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409052535
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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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ATR/QM: Exempt
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Loan Review Complete
|
06/09/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited Interested Party
Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%
|
Exception approved for seller contribution. Comp Factors : FICO XXX verified assets XXX
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX verified
assets XXX
|
06/23/2026
|
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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B
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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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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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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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B
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A
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A
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|
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409052535
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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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ATR/QM: Exempt
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Loan Review Complete
|
06/09/2026
|
Resolved
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FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete. The final Closing Disclosure reflects a seller credit of XXX - XXX (Seller Paid Cost) = $XXX;
however, no recent addendum supports this amount.
|
Documentation received, XXX to review. Document Uploaded.
|
06/17/2026
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XXX Contract Doc is complete.Client States: XXX – total closing costs in section K totals the seller credit. LM Updated.
|
06/17/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
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B
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B
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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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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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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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B
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A
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A
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|
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409051078
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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
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
The Borrower was approved under the XXX Expanded Guidelines XXX for XXX mos Business Bank Statement Income which require a Business
Narrative. The file is missing the required Narrative.
|
XXX: DD Waive for B Grade. Reviewed previous loans for seller with XXX team and seller does not require business narrative per their
guidelines. Not material and fine to proceed without. Comp factors: XXX FICO XXX% LTV XXX mos PITIA reserves XXX% DTI;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX% LTV
XXX mos PITIA reserves XXX% DTI
|
06/12/2026
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Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
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B
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D
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B
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D
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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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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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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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B
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A
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A
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|
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409053390
|
XXX
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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 XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP Submission Summary Report (CU Score) is Missing,
Collateral Rep & Warrant Relief Status: Eligible we require a third-party valuation product (e., appraisal review, desk review, or validation tool).
|
Document Uploaded. Documentation received, XXX to review.;
|
06/23/2026
|
Third party valuation product provided within tolerance.
|
06/24/2026
|
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
|
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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C
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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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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409053390
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing. The Final 1003 is Missing.
|
Documentation received in XXX review. Document Uploaded. Document Uploaded.
|
06/16/2026
|
The Final 1003 is Present The XXX was provided however, the Final 1003 loan application is required and is missing.
|
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
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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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C
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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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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409050467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Cured
|
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: Processing Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Flood Certification - Single Charge or Life of Loan paid by Borrower: XXX - Life of Loan paid by Borrower: XXX Tax Service Fee paid
by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title E-Recording [Recording Service Fee] paid by Borrower: XXX Notary Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX Flood cert fee of XXX and XXX mobile notary
fees were not included in testing by Lender per XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
07/08/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
07/08/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
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A
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C
|
B
|
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
|
B
|
B
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A
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B
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B
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B
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A
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B
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B
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B
|
A
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B
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B
|
B
|
A
|
B
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B
|
B
|
A
|
B
|
|
|
409050467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Waived
|
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) Assets total XXX Required assets are XXX + XXX
Months Reserves required x XXX = XXX + XXX months for each additional financed property x XXX = XXX total required reserves = XXX totaling XXX borrower is short reserves of XXX
|
Exception approved for reservesComp factors : FICO XXX DTI XXX
|
07/08/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp factors : FICO XXX DTI XXX
|
07/08/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
D
|
A
|
C
|
D
|
D
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A
|
C
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D
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D
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A
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C
|
D
|
D
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A
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C
|
D
|
D
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A
|
C
|
B
|
B
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A
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B
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B
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B
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A
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B
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B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409050467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Waived
|
FCRE9995
|
Credit
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Assets total XXX Required assets are XXX + XXX Months Reserves
required x XXX = XXX + XXX months for each additional financed property x XXX = XXX total required reserves = XXX totaling XXX borrower is short reserves of XXX
|
Exception approved for reservesComp factors : FICO XXX DTI XXX
|
07/08/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp factors : FICO XXX DTI XXX
|
07/08/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409050467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Waived
|
FCRE3843
|
Credit
|
Guideline Seasoning not Met
|
The required number of months reserves are to be seasoned does not meet Guideline requirement. Assets total XXX Required assets are XXX +
XXX Months Reserves required x XXX = XXX + XXX months for each additional financed property x XXX = XXX total required reserves = XXX totaling XXX borrower is short reserves of XXX
|
Exception approved for reservesComp factors : FICO XXX DTI XXX;
|
07/08/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp factors : FICO XXX DTI XXX
|
07/08/2026
|
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
|
B
|
D
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051803
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. Per XXX Expanded Guidelines Version XXX verification of the client's business within XXX
calendar days prior to the note date. The verification is missing from the loan file.
|
Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded.
|
06/29/2026
|
Client provided Business Entity Search dated XX/XX/XXXX. LM Updated. Cleared.Borrower 1 3rd Party VOE Prior to Close Was Provided.Client
provided Operating Agreement dated XX/XX/XXXX. XXX Expanded Eligibility Guide v12 - Income/Employment - Verification of the existence of borrower’s self-employment must be verified through a third-party XXX and no more than thirty XXX calendar
days prior to the Note date. o Third party verification can be from a XXX , regulatory agency or applicable licensing bureau. A borrower’s website is not acceptable third-party XXX. o Listing and address of the borrower’s business o Name and
title of person completing the verification and date of verification.
|
06/29/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
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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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
|
|
|
409051142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Missing Spousal Consent Form. Subject property is in the Community Property State of XXX and the borrower is married.
|
Document Uploaded. Documentation received, XXX to review.Spousal Consent not required when property is in title of the LLC.;
|
06/17/2026
|
Documentation is sufficient. Spousal Consent form provided. Exception resolved.Property Title Issue Resolved.Updated status to Open per XXX
request.
|
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
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
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
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409051142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/09/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing W-XXX for Business. The W-XXX for the individual borrower is in the loan file, however, the title is vested in the business name.
|
Documentation received, XXX to review. Document Uploaded.
|
06/16/2026
|
Documentation provided is sufficient. Exception resolved.
|
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
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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
|
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
|
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
|
A
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A
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A
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A
|
A
|
|
|
409053262
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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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||||||||||||
|
409047707
|
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: 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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Evidence of appraisal delivery provided.
|
06/29/2026
|
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
|
B
|
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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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
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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
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|
|
409052472
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/10/2026
|
Waived
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is
less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX
which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX.
|
Please waive for B grade - XXX granted exception. COMP FACTORS: • FICO >XXX points over min XXX • DTI >XXX% Below max XXX • XXX
Mortgage Thank you, XXX Please waive for B grade - XXX granted exception. COMP FACTORS: • FICO >XXX points over min XXX • DTI >XXX% Below max XXX • XXX Mortgage Thank you, XXX reviewing for exception. Exception pricing may apply.Document
Uploaded. Documentation received, XXX to review.; XXX may consider for exception with points and fees at XXX% - Exceptions maybe considered under XXX% on Non-QM loans - Please note maybe impact to pricing. Please contact XXX UW if exception to
be requested.;
|
07/02/2026
|
Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this
purpose: FICO >XXX points over min XXX • DTI >XXX% Below max XXX • XXX Mortgage A request to waive this condition was made based on compensating factors of XXX FICO , XXX% DTI and XXX. Please note, audit determined the FICO score to be
only XXX and the DTI to be XXX%. Please provide updated compensating factors. Condition remains open.;
|
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 | Borrower has stable job time - Borrower has XXX years on job.
|
C
|
B
|
C
|
B
|
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
|
|
|
409052472
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Lender utilized a XXX% expense ratio for bank Statement program. XXX justification was
provided, but XXX XXX program minimum is XXX%
|
Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded. XXX may consider for
exception - Please note maybe impact to pricing. Please contact XXX UW if exception to be requested.;
|
06/29/2026
|
Received updated 1003/XXX with income using XXX% expense factor. Exception Resolved.Received revised income worksheet. DTI w/in guidelines.
Provide corrected 1008 and 1003 with monthly income of XXX and revised DTI. Income and Employment Do Not Meet Guidelines.Income and Employment Meet Guidelines.
|
06/29/2026
|
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
|
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
|
|
|
409052472
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
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: 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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Evidence of appraisal delivery provided.
|
06/24/2026
|
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.
|
C
|
B
|
B
|
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
|
|
|
409047901
|
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. Final 1003 indicates the only assets used for qualification are the proceeds from
the sale of the borrower's departing primary residence, to be sold prior to or concurrently with the subject XXX. No Settlement Statement from that sale has been provided to confirm at least the $XXX has been received.
|
Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Client provided Final Settlement Statement for sale of XXX reflecting the Borrower receiving XXX at Closing.Asset Qualification Meets
Guideline Requirements.
|
06/29/2026
|
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
|
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
|
|
|
409047901
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-XXX from sale of non-subject property
|
Per Final 1003, Borrower's departing residence to be sold prior to subject XXX and PITI has not been included in the Borrower's DTI. Lender
was not using the XXX XXX Feature. The residence was supposed to be sold prior to or concurrently with subject XXX. The settlement Statement from that sale has not been provided in order to XXX ; The mortgage liability from borrower's DTI. If
departing residence has not sold, Lender to provide the documents required under the XXX XXX Feature in order to XXX ; The mortgage payment from DTI.
|
Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Client provided Final Settlement Statement for sale of XXX reflecting the Borrower receiving XXX at Closing. LM Updated. Cleared.
|
06/29/2026
|
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
|
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
|
|
|
409047901
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1316
|
Credit
|
Borrower 1 3rd Party VOE Prior to Close Missing
|
Borrower 1 3rd Party VOE Prior to Close Missing. VVOE in file references business XXX look-up dated XXX. This has not been included in file.
The last business look-up in file is dated XXX.
|
Documentation received in XXX review. Document Uploaded.
|
06/29/2026
|
Borrower 1 3rd Party VOE Prior to Close Was Provided.
|
06/29/2026
|
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
|
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
|
|
|
409047901
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1325
|
Credit
|
Borrower 1 XXX Letter Missing
|
Borrower 1 XXX Letter Missing. Communication from borrower's accountant is incoherent. The accountant letter is not dated and no accountant
licensing information appears. E-mail correspondence appears to be borrower wanting the accountant to verify he is XXX% XXX. VVOE references that all 3rd party lookup of XXX , Business XXX, and Business Reference and Business phone must be
uploaded to loan. No supporting documentation in file confirming borrower's XXX% ownership of the company and accountant's licensing.
|
Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Borrower 1 XXX Letter Provided.
|
06/29/2026
|
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
|
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
|
|
|
409053289
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Provide additional consecutive month Statement for XXX #XXX
|
XXX: DD please waive for B Grade. Seller Guidelines only require XXX month bank Statements. Reviewed on previous loans with XXX for seller
and fine to proceed as long as minimum XXX month Statement documented for assets used to qualify pending update to seller variance. Comp Factors: XXX FICO XX/XX/XXXX Mos PITIA reserves XXX DSCR;
|
07/13/2026
|
Client waived for B Grade with Comp Factors: XXX FICO XX/XX/XXXX Mos PITIA reserves XXX DSCR
|
07/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053289
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Lease Agreements Missing. A currently active lease with a minimum initial term of XXX months, between unrelated parties or Month-to-Month
lease dated within XXX (XXX onths prior to origination.
|
Documentation received, XXX to review. Document Uploaded. signed leases Exception Reviewed by XXX XXX Head of Credit: Leases will need to be
documented. XXX XXX have not approved change in FMHL guidelines and the variance does not cover. LTV Exceeds max amount that would be considered without lease. Qualified off lowest appraised value of both appraisals at XXX for XXX%
LTV.Documentation received in XXX review. Document Uploaded. Per guidelines, when Subject rents are MTM no lease (or anything further) is required. Please see enclosed guidelines XXX
|
07/13/2026
|
Signed lease provided and reviewed as per the XXX - Lease Requirements - Month-to-month leases are acceptable and are considered valid
leases- all month-to-month leases must have proper roll over clauses or roll over must be fully documented.
|
07/13/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053289
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
XXX) Missing W-XXX for LLC, and Evidence of XXX.
|
Documentation received in XXX review. Document Uploaded. cert of XXX?; ; Documentation received in XXX review. Document Uploaded. XXX;
|
06/18/2026
|
Client provided Certificate of XXX. LM Updated. Cleared.Client provided Executed Entity W-XXX Reflecting XXX. Still need Certificate of
XXX.
|
06/19/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050610
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Approved lender exception for Max sq footage for a condo per guides is XXX Subject is XXX No
compensating factors were listed on exception approval.
|
Exception approved for sq footage. Comp Factor: XXX DSCR FICO XXX
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR FICO XXX
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050610
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FPRO1500
|
Property
|
HOA Questionnaire is Missing
|
HOA Questionnaire Missing. Missing the HOA Questionnaire.
|
XXX: Please clear condition on exception for missing FNMA XXX Comp Factors: LTV XXX%, DSCR XXX Reserves XXX months, CPM provided
Documentation received in XXX review. Document Uploaded. Per my condo team, since this was XXX approved, no questionnaire was required. They provided me the XXX CPM.
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DSCR XXX
Reserves XXX months, CPM provided Client provided Condo Approval. XXX State Completed XXX questionnaire (if collateral is part of XXX association). Please provided Condo Questionnaire.
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050610
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1253
|
Credit
|
Missing Property Tax Cert
|
Missing Property Tax Cert. Missing documentation supporting property taxes for the subject property of XXX per month
|
Document Uploaded. Tax document in file.
|
06/16/2026
|
Property Tax Cert Provided.Client provided Tax Certification Reflecting XXX or XXX per month. LM Updated.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409050610
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Missing an established escrow account for taxes and insurance as required per lender guidelines.
|
Exception wavier approved : Comp factor XXX DSCR XXX;
|
06/12/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR FICO XXX
|
06/12/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409051475
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Exception was approved for rural designation. Comp Factors: experienced borrower, XXX DSCR,XXX FICO .
|
07/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: experienced
borrower, XXX DSCR,XXX FICO .
|
07/01/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409051475
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Articles of Organization document is missing from the loan file.
|
Document Uploaded.
|
07/01/2026
|
Client provided LLC Agreement, Short Form Standing, IRS XXX Assignment and Business Search dated XX/XX/XXXX. LM Updated. Cleared.
|
07/01/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409051475
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/10/2026
|
Resolved
|
FCRE9780
|
Credit
|
Business Purpose Affidavit/Disclosure Missing
|
Business Purpose Affidavit/Disclosure Missing. Missing the Required Business Purpose Affidavit and Occupancy Affidavit/Statement
|
Document Uploaded.
|
07/01/2026
|
Client provided Business Purpose & Occupancy Affidavit Executed by both Borrowers. LM Updated. Cleared.Business Purpose
Affidavit/Disclosure Provided
|
07/01/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409051709
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Rescinded
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty. Missing the Personal Guaranty.
|
XXX: DD to review note - XXX and XXX signed note as individuals as well as on behalf of LLC.;
|
06/16/2026
|
XXX States: XXX: DD to review note - XXX and XXX signed note as individuals as well as on behalf of LLC. Verified. LM Updated.
|
06/16/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051709
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater
of in-place or market rent during disruption.
|
XXX: DD to waive for B Grade. Seller Guides do not require rent loss. Comp Factors: XXX FICO XXX mos PITIA reserves XXX DSCR;
|
06/15/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX DSCR.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051589
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%
|
XXX request- DD to waive for B Grade. Seller Guidelines do not limit XXX. Comp Factors: XXX FICO XXX mos PITIA reserves XX/XX/XXXX DSCR;
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XX/XX/XXXX DSCR.The Settlement Statement has now been provided for the subject property. It reflects a XXX seller credit, which exceeds the XXX% maximum for interested party contributions on an investment loan.
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051589
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. Missing required rental loss coverage for XXX DSCR program
|
XXX: DD to waive for B Grade. Seller Guidelines do not require rent loss. Comp Factors: XXX FICO XXX mos PITIA reserves XX/XX/XXXX DSCR;
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XX/XX/XXXX DSCR.
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051589
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM1544
|
Compliance
|
TRID: Missing Closing Disclosure
|
File is missing Final CD or final Settlement Statement.
|
TRID: Final Closing Disclosure Provided. File is missing Final CD or final Settlement Statement.
|
06/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409051589
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FPRO1281
|
Property
|
The appraisal was completed "Subject To" and the Completion Certificate in file is incomplete.
|
Missing 1004D for XXX compliance. XXX appraisals provided, one is as-is, but no commentary provided to address why and no final inspection
provided.
|
Documentation received in XXX review. Document Uploaded. Please see XXX rebuttal/clarification regarding appraisal.
|
06/25/2026
|
Client provided XXX email confirming the smoke detectors were installed.
|
06/26/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051589
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM4247
|
Compliance
|
Missing HUD-XXX Closing Statement
|
Documentation received in XXX review. Document Uploaded. See XXX Final Settlement Statement;
|
06/21/2026
|
The Settlement Statement has been provided. Condition resolved.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
A
|
D
|
A
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
D
|
D
|
C
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051708
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. B1 - ID proof is missingtherefore, a XXX’s XXX or XXX disclosure is required.
|
Documentation received in XXX review. Document Uploaded. Document Uploaded.
|
06/18/2026
|
Photo Identification provided.Client provided XXX Information for B1. LM Updated. Cleared.Client provided XXX Information Disclosure. Need
XXX verifying IDs for B1 and B2.
|
06/19/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051708
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. B2 - ID proof is missingtherefore, a XXX’s XXX or XXX disclosure is required.
|
Documentation received in XXX review. Document Uploaded. Document Uploaded.
|
06/18/2026
|
Photo Identification provided.Client provided XXX Information for B2. LM Updated. Cleared.Client provided Certificate of Formation. Borrower
2 Photo Identification not provided. B2 - ID proof is missingtherefore, a XXX’s XXX or XXX disclosure is required.
|
06/19/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051708
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
XXX Articles of Organization is missing in file. XXX W9 Executed is missing for “XXX” & XXX.
|
XXX: XXX) DD to review cert of formation provided (many States do rather than article of organization). XXX) W-XXX Able to be waived for B
Grade with XXX Assignment Letter with IRS provided (Included). Comp Factors: XXX Assignment Letter from IRS Provided XXX FICO XXX mos PITIA reserves XXX DSCR; Document Uploaded.
|
06/15/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Assignment
Letter from IRS Provided XXX FICO XXX mos PITIA reserves XXX DSCR.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051708
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. As per lender guidelines, rent loss insurance is required to cover a minimum of XXX months.
|
DD to waive for B Grade. Seller Guides do not require rent loss. Comp Factors: XXX FICO XXX mos PITIA reserves XXX DSCR;
|
06/15/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX mos
PITIA reserves XXX DSCR.
|
06/16/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052949
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1183
|
Credit
|
Approval/Underwriting Summary XXX Provided
|
Approval/Underwriting Summary XXX Provided. XXX in file is for a different property.
|
Documentation received in XXX review. Document Uploaded. XXX;
|
06/25/2026
|
Received XXX which is for the subject property vs the XXX for the c/o refi of another XXX owned by the borrower and referenced on the
correct XXX Exception Resolved.
|
06/25/2026
|
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
|
||
|
409051510
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409051285
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409050984
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052630
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409051467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/13/2026
|
Waived
|
FCRE1199
|
Credit
|
Audited Loan Amount is greater than Guideline Maximum Loan Amount
|
Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX ; The Max Loan amount for a first time homebuyer for the
XXX Expanded program v12 is $2M. A lender exception was approved to exceed this maximum. No compensating factors were listed, however an additional XXX months of reserves were required
|
Exception approved for exceeding Max loan amountComp Factors XXX FICO , $XXX in reserves, DTI XXX% a;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO , $XXX in
reserves, DTI XXX%.
|
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.
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
Waived
|
FCOM1621
|
Compliance
|
Missing Initial Escrow Disclosure
|
Initial Escrow Account Disclosure is Missing. Documentation required to clear exception: Please provide the Initial Escrow Account
Disclosure.
|
Exception approved: comp factor - XXX FICO , $XXX in reserves, DTI XXX% a
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO , $XXX in
reserves, DTI XXX%
|
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.
|
D
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051467
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/13/2026
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing.
|
Documentation received, XXX to review. Document Uploaded. Final 1003
|
06/18/2026
|
Client provided Final 1003. Cleared.The Final 1003 is Present
|
06/19/2026
|
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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409050983
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Audit verified — Missing escrow impound finding Per XXX DSCR; XXXPg. XXX (Escrow Reserves) , XXX requires an established escrow/impound
account for taxes and insurance at origination, funded perXXXrequirements (XXX-day tax cushion + insurance premium for policy expiring within XXX months) , with ongoing monthly XX/XX/XXXX deposits thereafter. XXX (Pg. XXX) reflects Escrow
(T&I) = No — this does not comply withXXX Condition to be cleared, escrow account must be established
|
Please waive for B grade. XXX granted exception. Comp factors: FICO XXX / DSCR >XXX / LTV <XXX - thank you - XXX
|
06/16/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR
>XXX / LTV <XXX - thank you - XXX.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
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A
|
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
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A
|
A
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B
|
B
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A
|
A
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B
|
B
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A
|
A
|
|
|
409052585
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
Deferred maintenance was adjusted for at XXX which exceeds XXX% threshold required by XXX guidelines.
|
Please waive for B grade. XXX has granted exception. COMP FACTORS: • FICO > XXX points above min XXX • DSCR >XXX • >XXX mo reserves
after closing beyond requirement Thank you, XXX reviewing for exception. Exception pricing may apply.Documentation received, XXX to review. Document Uploaded.
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO > XXX
points above min XXX • DSCR >XXX • >XXX mo reserves after closing beyond requirementWaived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO > XXX points above min
XXX • DSCR >XXX • >XXX mo reserves after closing beyond requirement
|
06/26/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
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B
|
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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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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C
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C
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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|
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409052585
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements. Missing verification of XX/XX/XXXX - XX/XX/XXXX mortgage payment for primary
residence. Lender only provided verification from XX/XX/XXXX - XXX/XXX. XXX DSCR v13 guidelines require housing history reflect XXX.
|
Documentation received in XXX review. Document Uploaded.
|
06/26/2026
|
XXX mos housing history provided and reviewed for XX/XX/XXXX - XX/XX/XXXX mortgage payment for primary residence.Housing History Meets
Guideline Requirements.
|
06/26/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
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A
|
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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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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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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B
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A
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|
|
409053104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/11/2026
|
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. Disclosure tracking details
verifies presumed received date of XX/XX/XXXX with closing date of XX/XX/XXXX. No appraisal delivery timing waiver in file.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/22/2026
|
Evidence of appraisal delivery provided.The disclosure tracking details verifies presumed received date of XX/XX/XXXX with closing date of
XX/XX/XXXX. No appraisal delivery timing waiver in file. The appraisal was not received by the borrower at least XXX days prior to consummation
|
06/22/2026
|
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
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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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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
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409051846
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
finding-3352
|
Compliance
|
Higher-Priced Mortgage Loan Test
|
This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated
APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some
lenders and secondary market XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelinestherefore, downgraded to A. XXX
|
07/06/2026
|
Information only.
|
07/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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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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B
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A
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409051846
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE6737
|
Credit
|
Missing Letter of Explanation (Income)
|
The following months XXX/XXX, XXX/XXX, XXX/XXX, XXX/XXX, and XX/XX/XXXX show withdrawals greater than deposits for personal checking account
used for income qualification. XXX Expanded v12 Bank Statement Program considers this declining cashflow/income. Missing letter of explanation for cashflow/income.
|
Documentation received, XXX to review. Document Uploaded.
|
07/06/2026
|
Client provided LOE stating: Response: The UW used the qualifying income from XXX-months deposits with a XXX% expense factor from the
borrower’s personal account. The income was deemed stable, although there are XXX months with withdrawals higher than the deposits. There are a few things noted by the UW to come to this conclusion. XXX of the months cited had the highest
deposits immediately following the months when the withdrawals were higher than the deposits. With the borrower having a painting business, the materials are XXX, the work is done, and then he is paid. This is deemed cyclical. The other months
were October, November and December. Several factors were cited. • October, XXX mortgage payments were taken out, which caused the withdrawals to be more than the deposits. • November was a low month for deposits, deemed an anomaly. • December
had more XXX to other accounts. December is a month you will see higher expenses for anyone who celebrates XXX. There are no XXX reporting and all credit is paid as agreed. The DTI is very low, and this is a rate and term XXX. The overall
strength of the loan was a factor. LM Updated. Cleared.
|
07/06/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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D
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A
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A
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A
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B
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A
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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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
|
|
|
409051846
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report. Seller did not provide a fraud report
|
Documentation received in XXX review. Document Uploaded.
|
06/16/2026
|
Third Party Fraud Report is provided.Client provided XXX Final Check report. LM Updated.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI 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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B
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A
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
|
D
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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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A
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A
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A
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A
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A
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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
|
|
|
409051846
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/11/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
XXX Expanded v12 guidelines require income calculation worksheet or XXX with income calculation. Current XXX Form XXX Freddie Mac Form XXX
or equivalent is required for self-employment analysis.
|
Documentation received in XXX review. Document Uploaded.
|
06/16/2026
|
Client provided Business Bank Statement program income calculator. LM Updated.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
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A
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B
|
A
|
D
|
D
|
A
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B
|
D
|
D
|
A
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B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051846
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Higher Priced APOR (APOR HP)
|
Loan Review Complete
|
06/11/2026
|
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. XXX
|
Documentation received in XXX review. Document Uploaded.
|
06/16/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
06/16/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409054710
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Missing XXX Lender did not provide ATR/QM Status Determination.
|
Document Uploaded.
|
06/17/2026
|
Compliance report provided. Condition resolved.
|
06/17/2026
|
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
|
B
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409054710
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate.
|
Document Uploaded.
|
06/17/2026
|
Flood Certificate is fully present.
|
06/17/2026
|
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
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409054732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Missing documentation that the tax liens indicated on the Title Commitment have been released. Tax Lien #XXX dated
XX/XX/XXXX, #XXX XX/XX/XXXX #XXX XX/XX/XXXX #XXX XX/XX/XXXX #XXX XX/XX/XXXX
|
Documentation and comments received, XXX to review. Document Uploaded. clear final policy not showing any taxes owed Document Uploaded.
email from title explaining that these taxes were paid off and will not appear of the final title policy Documentation received in XXX review.;
|
07/01/2026
|
Final title policy received and confirms tax liens released/no longer present. Property Title Issue Resolved.Please provide the
documentation to support the tax liens were paid in full and released.
|
07/01/2026
|
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
|
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
|
|
|
409054732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing the executed W-XXX form for the business entity.
|
Documentation received, XXX to review. Document Uploaded. XXX;
|
06/17/2026
|
Client provided W-XXX for business entity.
|
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
|
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
|
|
|
409054732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Provide lock confirmation
|
Document Uploaded.
|
06/17/2026
|
Client provided Lock Confirmation. LM Updated.
|
06/17/2026
|
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
|
|
|
409054732
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
The lender’s minimum tradeline requirements have not been met per guidelines. The lender’s minimum tradeline requirements have not been met
per guidelines as The borrower has XXX tradelines and only XXX tradeline is reporting for XXX months in past XXX months. Per lender guidelines, Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months
with activity in past XXX months.
|
XXX - DD to review. Borrower meets tradeline requirement. Per guidelines Credit reports must show sufficient trade lines with activity the
qualifying Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months. Borrower has XXX tradelines reporting for XXX months on XXX provided: XXX 1003 XXX -XXX XXX XXX
XXX;
|
06/17/2026
|
Tradelines meet Guideline Requirements XXX States: Borrower meets tradeline requirement. Per guidelines Credit reports must show sufficient
trade lines with activity the qualifying Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months. Borrower has XXX tradelines reporting for XXX months on XXX
provided: XXX 1003 XXX -XXX XXX XXX XXX LM Updated.
|
06/17/2026
|
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
|
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
|
|
|
409054728
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Missing documentation that the tax liens indicated on the Title Commitment have been released. Tax Lien #XXX dated
XX/XX/XXXX, #XXX XX/XX/XXXX #XXX XX/XX/XXXX #XXX XX/XX/XXXX #XXX XX/XX/XXXX
|
Documentation received in XXX review. Document Uploaded. final title policy showing no tax liens Documentation received in XXX review.
Document Uploaded. email from title explaining that these taxes were paid off and will not appear of the final title policy
|
07/06/2026
|
An updated title policy report was provided which confirmed these liens have been removed. Condition resolved.Property Title Issue
Resolved.Received an email chain that States the liens are paid and will not be on the final policy. Provide documentation that confirm XXX that all XXX tax liens have been released. Please provide the documentation to support that the tax
liens were paid in full and released.
|
07/06/2026
|
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
|
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
|
|
|
409054728
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing the executed W-XXX form for the business entity.
|
Documentation received, XXX to review. Document Uploaded. XXX name;
|
06/18/2026
|
Client provided Executed W-XXX Reflecting XXX. LM Updated. Cleared.
|
06/19/2026
|
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
|
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
|
|
|
409054728
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
The lender’s minimum tradeline requirements have not been met per guidelines. The lender’s minimum tradeline requirements have not been met
per guidelines as the borrower has XXX tradelines and only XXX tradeline is reporting for XXX months in past XXX months. Per lender guidelines, Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months
with activity in past XXX months.
|
XXX - DD to review. Borrower meets tradeline requirement. Per guidelines Credit reports must show sufficient trade lines with activity the
qualifying Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months. Borrower has XXX tradelines reporting for XXX months on XXX provided: XXX 1003 XXX -XXX XXX XXX
XXX;
|
06/17/2026
|
Tradelines meet Guideline Requirements XXX States: Borrower meets tradeline requirement. Per guidelines Credit reports must show sufficient
trade lines with activity the qualifying Borrower must have at least XXX trade lines reporting for XXX months or XXX reporting for XXX months with activity in past XXX months. Borrower has XXX tradelines reporting for XXX months on XXX
provided: XXX 1003 XXX -XXX XXX XXX XXX LM Updated.
|
06/17/2026
|
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
|
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
|
|
|
409051845
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Documentation received, XXX to review.Rate lock document;
|
07/14/2026
|
Rate lock provided. Condition resolved.
|
07/14/2026
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|||
|
409051845
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
W-XXX for LLC is missing in file.
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
07/08/2026
|
W-XXX for the LLC was provided. Condition resolved.Please provide the W-XXX in the name of the LLC. The XXX form that was present in the
file was provided. The guidelines require the W-XXX.Missing required W-XXX for XXX
|
07/08/2026
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051845
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. Missing rent loss insurance covering a minimum of XXX months for the subject property for the greater
of in-place or market rent during disruption.
|
Document Uploaded. Documentation received, XXX to review.;
|
07/08/2026
|
Documentation is sufficient. Updated policy provided. Exception resolved.Rent Loss Coverage Present.Missing rent loss insurance coverage.
|
07/08/2026
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051845
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Waived
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% Audited LTV of XXX% exceeds guidelines LTV of XXX% due to adjusted value as property
acquired less than XXX months ago. Value / Acquisition Costs XXX + documented improvements XXX = XXX
|
Exception approved for LTV: Comp Factor DSCR XXX No mortgage Lates xperienced XXX;
|
07/08/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following comp factors, DSCR XXX No mortgage Lates xperienced XXX
all are met. Audited LTV of XXX% exceeds Guideline LTV of XXX%
|
07/08/2026
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051845
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
As per Final CD Taxes & Insurance are non-escrowed however as per Lender Guidelines Taxes & Insurance should be escrowed.
|
Escrow was approved: Comp factor XXX No mortgage Lates xperienced XXX; ; Exception approved for escrowComp factor DSCR XXX ICO XXX 0x30x XXX
|
06/29/2026
|
Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this
purpose: XXX No mortgage Lates, experienced XXX, FICO XXX and 0x30x XXX.Missing required escrow account for taxes and insurance
|
06/29/2026
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051512
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409054115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing required XXX full months of bank Statement for XXX acct #XXX
|
Document Uploaded. Documentation received, XXX to review.;
|
06/23/2026
|
Asset Record XXX Meets G/L Requirements
|
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
|
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
|
|
|
409054115
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Missing required VOR/rental history for primary residence at
XXX to verify XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Verification of Rent (VOR) not reflected as a requirement in XXX Residential XXX DSCR Program Guide. Condition resolved.
|
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
|
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
|
|
|
409051085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete. Please provide a XXX supporting a final XXX of XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/17/2026
|
XXX Contract Doc is complete.
|
06/18/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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
|
|
|
409051085
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Provide page XXX of XXX for both February XXX and March XXX Statements as all pages are
required.
|
Documentation and comment received, XXX to review. Document Uploaded. uploaded full Statements for both months, page XXX of XXX is marked as
"This page intentionally left blank".
|
06/17/2026
|
Asset Record XXX Meets G/L Requirements
|
06/18/2026
|
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
|
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
|
|
|
409052407
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/12/2026
|
Waived
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is
less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX
which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX. XXX Expanded v12 guidelines do not allow Points and Fees greater than XXX%
|
Please waive for B grade. XXX has granted exception. COMP FACTORS: • FICO XXX • DTI XXX% • Stable time on job Thank you, XXX;
|
06/22/2026
|
Client approved an exception to guidelines to allow for points and fees greater than XXX% Client accepts risk for B grade and acknowledges
the following compensating factors for this purpose: FICO XXX • DTI XXX% • Stable time on job.
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
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
|
|
|
409051229
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Missing required XXX confirmation of XXX% expense ratio usage for the XXX XXX program
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Income and Employment Meet Guidelines.The borrower qualifies using the XXX% expense ratio, so it is not necessary to pursue the XXX letter
to validate the XXX% expense ratio. Finding is resolved. XXX to review: XXX letter confirming the expense ratio of XXX% was not provided as required per the XXX for XXX XXX program. Lender requests an exception stating their XXX do not require
a XXX expense ratio confirmation.
|
06/25/2026
|
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. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409051547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
Missing Lender income calculation/worksheet verifying XXX per month income.
|
Documentation received in XXX review. Document Uploaded.
|
06/26/2026
|
Received Lender Income Worksheet. Exception Resolved.
|
06/26/2026
|
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
|
B
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
B
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/12/2026
|
Waived
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is
less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX
which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX. Non-QM originated, exception remains open pending client review. XXX Expanded v12
guidelines do not allow points and fees greater than XXX%
|
Please waive for B grade. XXX has granted exception. COMP FACTORS: • FICO XXX • DTI XXX% • Excellent mortgage history Thank you, XXX;
|
06/26/2026
|
Client approved an exception to guidelines to allow for points and fees greater than XXX% Client accepts risk for B grade and acknowledges
the following compensating factors for this purpose: FICO XXX • DTI XXX% • Excellent mortgage history.
|
06/26/2026
|
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
|
B
|
C
|
B
|
D
|
A
|
C
|
A
|
C
|
B
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing final settlement Statement of XXX , and XXX proceeds received by borrowers prior to
closing as per Final 1003.
|
Documentation received in XXX review. Document Uploaded.
|
06/26/2026
|
Received final HUD for sale of XXX supporting XXX proceeds.
|
06/26/2026
|
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
|
B
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
B
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409051547
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required UCDP with score less than XX/XX/XXXX or
secondary valuation (Desktop analysis)
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Third party valuation product provided within tolerance.
|
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.
|
D
|
B
|
C
|
A
|
D
|
A
|
C
|
A
|
C
|
B
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
D
|
D
|
C
|
C
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409052327
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Missing evidence that the XXX-up window and missing porch railings
have been repaired.
|
Documentation received, XXX to review. Document Uploaded.
|
06/24/2026
|
Repairs to the XXX up window and the missing porch railing have been completed and verified as per updated appraisal photos provided. The
issue with the property has been resolved.
|
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
|
C
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052327
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Missing Lease Agreement for Subject Property: This is a DSCR Investment XXX - No lease agreement was found in the loan file. Per guidelines,
XXX must be leased at the time of closing. The appraisal (Page XXX) show the subject property as tenant occupied.
|
Documentation received in XXX review. Document Uploaded.
|
06/17/2026
|
Client provided lease agreement for subject property.
|
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
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409050667
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052387
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. B2 does not meet the minimum XXX-year self-employment history required for XXX Only program.
XXX Department of Business & Professional Regulation shows licensure date as XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Client provided General XXX search for B2 reflecting Original XXX Date XX/XX/XXXX. LM Updated. Cleared.Income and Employment Meet
Guidelines.
|
07/01/2026
|
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
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052387
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing BX AKA Name Affidavit showing XXX is also known as XXX XXX.
|
Please waive for Grade B- Not required per XXX- Comp factors DTI XXX% XXX% LTV, XXX Score;
|
06/16/2026
|
The client waived the exception to Grade B based on the following compensating factors: a DTI of XXX% an LTV of XXX%, and a credit score of
XXX
|
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
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Cured
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Missing required lender QM designation. Lender did not provide ATR/QM Status Determination.
|
Documentation received in XXX review. Document Uploaded.
|
07/08/2026
|
XXX ATR/QM Status Determination was provided and QM designation reviewed.
|
07/08/2026
|
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
|
B
|
B
|
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
|
|
|
409052343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/12/2026
|
Cured
|
finding-3635
|
Compliance
|
Charges That In Total Cannot Increase More Than XXX% 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 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 XXX;(B) The charge for the
third-party service is not paid to the creditor or an affiliate of the creditorand(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, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee. A reimbursement in the amount of XXX was applied to
increase, however the reimbursement did not cover the total increase.
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review.;
|
07/08/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package is missing a copy of the checkwill downgrade upon receipt
|
07/08/2026
|
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
|
B
|
C
|
B
|
A
|
A
|
A
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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
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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
|
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
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A
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A
|
B
|
B
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A
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A
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B
|
B
|
A
|
A
|
B
|
|
|
409052343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Rescinded
|
FCRE1152
|
Credit
|
Evidence of Property Tax Missing
|
Provide documentation to support property tax amount of $XXX.
|
Documentation received in XXX review. Document Uploaded.
|
06/25/2026
|
Preliminary title report, and appraisal report originally provided in the file verified tax information. Variance of XXX is immaterial.
|
06/25/2026
|
C
|
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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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
|
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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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
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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
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A
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A
|
B
|
||
|
409052343
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Rescinded
|
FVAL4940
|
Property
|
Missing Homeowner's Association Questionnaire
|
Provide condo approval and questionnaire, not contained in loan file.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Subject is a XX/XX/XXXX unit condo project. Per XXX a condo project review is not required.
|
06/25/2026
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
B
|
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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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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B
|
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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||
|
409054073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Waived
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is
less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX
which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX. XXX Expanded v12 guidelines do not allow Points and Fees exceeding XXX% NonQM Loan
per XXX located on page XXX
|
Exception approved for points please waive. Comp Factor: FICO XXX DTI XXX months reserve.
|
06/24/2026
|
Client approved an exception to guidelines to allow for points and fees greater than XXX% Client accepts risk for B grade and acknowledges
the following compensating factors for this purpose: FICO XXX DTI XXX months reserve.
|
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% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
D
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A
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C
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D
|
D
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A
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C
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D
|
D
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A
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C
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D
|
D
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A
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C
|
D
|
D
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A
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C
|
B
|
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
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
|
|
409054073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
The XXX #XXX reflects funds wired out in the amount of XXX on XX/XX/XXXX to XXX for property located at XXX , XXX. The loan file is missing
the debts XXX with this property. Other conditions may apply.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded. Please find the Note for
the PI and Property Profile showing the taxes and Closing Statement (HUD) showing the annual taxes.;
|
06/22/2026
|
An updated 1003/XXX has been provided. Condition resolved.Client provided Note for the PI and Property Profile showing the taxes and Closing
Statement (HUD) showing the annual taxes. Property added to LM. Please provided Revised 1003 and XXX reflecting the property XXX.
|
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% | 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
|
|
|
409054073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
Document Uploaded.
|
06/17/2026
|
Evidence of eConsent is provided.
|
06/17/2026
|
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
|
B
|
B
|
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
|
|
|
409052442
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Provide lock confirmation.
|
Document Uploaded.
|
06/17/2026
|
Client provided XXX Lock Confirmation dated XX/XX/XXXX. LM Updated.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052442
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Exception approved to waive escrows. Exception is missing compensating factors.
|
Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: XXX mo PITIA reserves (covers XXX months tax and insurance
payments) Experienced XX/XX/XXXX DSCR;
|
06/17/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mo PITIA
reserves (covers XXX months tax and insurance payments) Experienced XX/XX/XXXX DSCR.
|
06/17/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
D
|
D
|
A
|
D
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053043
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing W-XXX for Business: The W9 in the loan file is in the individual borrower's name. The title is vested in the Business name as the W9
in the Business name is required.
|
Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded.
|
06/30/2026
|
Documentation is sufficient. W-XXX provided. Exception resolved.Received XXX. Provide W-XXX for the LLC.
|
06/30/2026
|
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
|
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
|
|
|
409052013
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
W-XXX provided for LLC is incomplete. Missing XXX information.
|
Documentation received, XXX to review. Document Uploaded. please see XXX;
|
06/22/2026
|
Client provided Executed W-XXX Reflecting XXX. LM Updated. Cleared.
|
06/22/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409053264
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052020
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE2335
|
Credit
|
DSCR is less than guideline minimum
|
Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Appraisal form 1007 discloses market rent of XXX however Operating
Income Statement discloses market rent of XXX Audit used monthly rent of XXX for qualification causing DSCR of XXX. Qualifying DSCR of XXX is less than guideline minimum requirement of XXX
|
Documentation received, XXX to review. Document Uploaded. Hello per team it was a typo, please see revised document XXX;
|
06/24/2026
|
Received appraisal with typo corrected. Appraisal reflects XXX rent comparable to support XXX monthly rents. DSCR > XXX Exception
resolved.
|
06/24/2026
|
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
|
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
|
|
|
409054725
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE0382
|
Credit
|
Assets do not meet guideline requirements
|
When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Total assets verified
in the loan file are insufficient to cover reserves. The most recent XXX Statement dated XXX for account ending XXX reflects a balance of XXX vs. XXX and XXX savings account ending XXX only reflects a current balance of XXX vs. $XXX. The
balances used on the application and the XXX are from the Statement dated XXX. XXX savings acct ending XXX reflects a withdrawal of XXX and XXX on XXX and a XXX withdrawal on XXX. File contains a wire confirmation dated XXX of XXX to the escrow
company originating from XXX. Provide additional assets to cover required reserves and/or the file contains a wire confirmation dated XXX of XXX to the escrow company originating from XXX. Provide documentation to support the seasoning and
sourcing of the XXX wire.
|
Document Uploaded. Document Uploaded. Documentation received, XXX to review. Document Uploaded. Please note that wire confirmations provided
show wire cleared after XX/XX/XXXX so would be deducted from balance when showing on CD with funds XXX wired after XXX/XXX?; ; Documentation received in XXX review. Document Uploaded. Please see XXX PCCD showing borrower got a cash back, and as
per the XXX ; There is more than the required reserves, also XXX please find the assets breakdown. Kindly review and clear the condition
|
06/26/2026
|
Audit added Asset accts # XXX and XXX since evidence of $XXX funds that was supposedly re-deposited back in XXX acct #XXX was not provided.
Assets are now sufficient for reserves.Funds are found to meet guidelines.Client provided assets breakdown Reflecting XXX #XXX with a balance of XXX and #XXX - $XXX. However, the bank Statements provided in file Reflect XXX #XXX dated
XX/XX/XXXX with a balance of XXX and #XXX - XXX dated XX/XX/XXXX.
|
06/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054725
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE1482
|
Credit
|
Asset 4 Does Not Meet Guideline Requirements
|
Asset 4 Does Not Meet Guideline Requirements. Missing second consecutive month for XXX #XXX
|
XXX: DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement documented for assets used to qualify. Comp Factors:
XXX% DTI XXX FICO ; No Mortgage Lates in last XXX mos XXX per month Residual Income;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI XXX FICO ;
No Mortgage Lates in last XXX mos XXX per month Residual Income.
|
06/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054725
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE1481
|
Credit
|
Asset 3 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing second consecutive month for XXX #XXX
|
XXX: DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement documented for assets used to qualify. Comp Factors:
XXX% DTI XXX FICO ; No Mortgage Lates in last XXX mos XXX per month Residual Income;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI XXX FICO ;
No Mortgage Lates in last XXX mos XXX per month Residual Income.
|
06/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054725
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE1483
|
Credit
|
Asset 5 Does Not Meet Guideline Requirements
|
Asset 5 Does Not Meet Guideline Requirements. Missing second consecutive month for XXX #XXX
|
XXX: DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement documented for assets used to qualify. Comp Factors:
XXX% DTI XXX FICO ; No Mortgage Lates in last XXX mos XXX per month Residual Income;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI XXX FICO ;
No Mortgage Lates in last XXX mos XXX per month Residual Income.
|
06/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054725
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE2800
|
Credit
|
Verified Liquid Assets Insufficient For Closing
|
Verified Liquid Assets are insufficient for closing in the amount of $-XXX. Assets in the loan file are short to cover the reserve
requirement. The XXX and Application used balances for XXX ending #XXX and #XXX from the XXX Statement. Audit used balances from these account from the April Statement which are significantly lower. Provide additional assets to cover required
reserves and/or the file contains a wire confirmation dated XXX of XXX to the escrow company originating from XXX. Provide documentation to support the seasoning and sourcing of the XXX wire.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX and You will find the XXX withdrawal for the XXX file on page XXX
of the attachment. He had a cashier's check made on XX/XX/XXXX when he initially thought we were going to close. When we were delayed due to the tax transcript issue, he held on to the cashier's check, then decided to deposit it back into his
account after escrow informed him that the cashier's check would delay his closing. Please note wire confirmations show funds wire after XX/XX/XXXX shown on CD. This would be deducted from XX/XX/XXXX Balance.Documentation received in XXX
review. Document Uploaded. Please see XXX PCCD showing borrower got a cash back, and as per the XXX ; There is more than the required reserves, also XXX please find the assets breakdown. Kindly review and clear the condition; ; DD to reopen
|
06/24/2026
|
Verified Liquid Assets are sufficient for closing.Client provided assets breakdown Reflecting XXX #XXX with a balance of XXX and #XXX -
$XXX. However, the bank Statements provided in file Reflect XXX #XXX dated XX/XX/XXXX with a balance of XXX and #XXX - XXX dated XX/XX/XXXX. Verified Liquid Assets are insufficient for closing in the amount of $-XXX.
|
06/26/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054725
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1241
|
Credit
|
XXX Contract is Missing
|
XXX is XXX but XXX Contract Doc is Missing.
|
06/17/2026
|
XXX Contract Doc is not Missing, or is XXX.
|
06/17/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409051755
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before
|
Please waive for grade B- not required for CCM. COMP factors- DTI XXX% FICO XXX 0x30 mortgage history.;
|
06/22/2026
|
Waived per client request. Client acknowledges EV2/B finding with the following compensating factors: DTI XXX% FICO XXX 0x30 mortgage
history.
|
06/22/2026
|
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
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409051755
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required business narrative for XXX XXX program
|
Please waive for grade B- not required for CCM. COMP factors- DTI XXX% FICO XXX 0x30 mortgage history.;
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DTI XXX% FICO XXX
0x30 mortgage history.
|
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%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409052047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. The appraisal was completed subject to inspection of the bathroom in
Unit XXX for mold under the sink and any necessary remediation. The 1004D completion report indicates that the mold in the bathroom has been repaired, and chipping and peeling paint has been repaired. The photos provided show that a new vanity
was installed, but a mold inspection was not provided. The new vanity was installed over damaged flooring, and photos of the shower reveal damage to the wall. In addition, the original appraisal photos show damaged kitchen cabinets in Unit XXX
a damaged bathroom door in Unit XXX and exposed wood fXXXia overall. The appraiser did not address any of this deferred maintenance or potential property issues, and a cost to cure has not been provided.
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/30/2026
|
Updated photos provided to show mold remediation. The later photos from XX/XX/XXXX show that the mold had been removed before the new
cabinet was installed. The updated appraisal States that the kitchen cabinets, etc. are not health and safety issues and have been given a cost to cure of XXX which is less than XXX% of the appraised value. Condition resolved.One or more issues
or defects with the property have been discovered.
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Provide required Spousal Consent Form, not contained in loan file.
|
Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/30/2026
|
Received recorded deed signed by the spouse reflecting the property is the borrower's sole and separate property. Please provide the spousal
consent form. The letter provided was related to a joint asset account.
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/12/2026
|
Waived
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
The lender’s minimum tradeline requirements have not been met per guidelines. Client approved an exception for borrower not meeting the
minimum tradeline requirement since XXX of the XXX are authorized user accounts. Compensating factors were not provided with the exception form.
|
Please waive for B grade. XXX has granted exception. COMP FACTORS: • FICO XXX • DSCR >XXX • Experienced XXX - Thank you, XXX
|
06/30/2026
|
Per Client - Please waive for B grade. XXX has granted exception. COMP FACTORS: • FICO XXX • DSCR >XXX • Experienced XXX - Thank you, XXX
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1248
|
Credit
|
XXX is not considered to be an XXX Transaction
|
XXX is not considered to be an XXX Transaction. Appraisal report does not reflect transaction is XXX or Non XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
06/24/2026
|
XXX is considered to be an XXX Transaction, or XXX. XXX is not considered to be an XXX Transaction.
|
06/24/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053114
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053903
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required business narrative for the XXX XXX program v12
|
Please waive for Grade B (XXX) - XXX years credit history, XXX% XXX FICO
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years credit
history, XXX% DTI, XXX FICO .
|
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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053903
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. The lender utilized a XXX% expense ratio which exceeds the minimum of XXX% for the XXX XXX
program v12. A XXX justification letter was provided
|
Please waive for Grade B (XXX) - XXX years credit history, XXX% XXX FICO
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years credit
history, XXX% DTI, XXX FICO .
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053482
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Taxes and insurance must be escrowed per XXX DSCR guidelines.
|
Exception was approved for escrow: COMP FACTORS: • FICO XXX = XXX >XXX points above min • DSCR >XXX• Excellent reserve;
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX = XXX
>XXX points above min • DSCR >XXX • Excellent reserves
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053482
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/15/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited interested party
contribution of XXX% exceeds guidelines maximum of XXX% for Investment properties.
|
Exception approved for XXX COMP FACTORS: • FICO XXX = XXX >XXX points above min • DSCR >XXX• Excellent reservesDocumentation received
in XXX review. Document Uploaded.
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX = XXX
>XXX points above min • DSCR >XXX• Excellent reserves Received an email that States guidelines are at XXX% with an update to XXX% to released at the end of XXX. Exceptions from XXX-XXX% can be done. Provide XXX Exception with XXX
compensating factors.
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054712
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Rescinded
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Missing required HELOC closure letter for XXX CU paid off at closing.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX.
|
06/22/2026
|
Reviewed subject property and title, along with Final CD and Final 1003. The HELOC was not tied to the subject property, and is therefore
not required. The Final CD States the paid at closing of the HELOC. Property Title Issue Resolved.
|
06/23/2026
|
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
|
||
|
409054712
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1161
|
Credit
|
Flood Certificate Missing
|
Missing Flood Certificate. Provide Flood Certificate, not contained in loan file.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX flood cert.
|
06/22/2026
|
Flood Certificate is fully present.
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409054712
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
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) , XXX from 12 CFR §226.23(a) (3) ) , Open-end (12 CFR
§1026.15(a) (3) , XXX 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 recission date noted on the Right to Cancel Notice, XX/XX/XXXX is less than three business days form
the signing date. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, new ROR providing XXX days right to cancel
|
Documentation and comment received, XXX to review. Document Uploaded. Please find XXX Post Consummation CD and final settlement Statemnt
from escow. Loan funded on XX/XX/XXXX and escrow disbursed funds on XX/XX/XXXX. File was just pending the PCCD at the time the loan was submitted.
|
06/22/2026
|
PCCD and FSS with updated disbursement date provided exception resolved PCCD and FSS with updated disbursement date provided exception
resolved
|
06/22/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409054712
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1325
|
Credit
|
Borrower 1 XXX Letter Missing
|
Borrower 1 XXX Letter Missing. Provide active XXX or certification for XXX XXX and XXX . Additionally, XXX Expanded v12 guidelines P&L
income program require a Verbal VOE prior to closing. Missing VVOE and current/active XXX or certification for XXX and XXX .
|
Document Uploaded. XXX: DD to review - Form in file filled out by tax preparer. Pulled active XXX and uploaded to loan package.;
|
06/18/2026
|
Borrower 1 XXX Letter Provided.
|
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% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409052643
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Missing XXX full months of XXX #XXX per guidelines
|
DD to waive for B Grade. Seller only obtains XXX month Statements. Reviewed with XXX team on previous loans and fine to proceed as long as
minimum XXX month Statement documented in file for assets used to qualify. Comp Factors: XXX FICO ; No Mortgage Lates in last XXX months XXX mos PITIA reserves XXX% DTI XXX per monthnth residual income;
|
06/18/2026
|
Per Client - DD to waive for B Grade. Seller only obtains XXX month Statements. Reviewed with XXX team on previous loans and fine to proceed
as long as minimum XXX month Statement documented in file for assets used to qualify. Comp Factors: XXX FICO ; No Mortgage Lates in last XXX months XXX mos PITIA reserves XXX% DTI XXX per monthnth residual income
|
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.
|
C
|
B
|
C
|
B
|
C
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409052643
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/15/2026
|
Waived
|
finding-4038
|
Compliance
|
Qualified Mortgage Lending Policy Points and Fees Test
|
This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e) (3) ) The loan amount is XXX or more, and the
transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is
less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX
which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX XXX of the total loan amount of $XXX. XXX Expanded v12 guidelines do not allow points and fees greater than XXX%
|
Document Uploaded. DD to waive for B Grade. Exception XXX. Comp Factors: Points and Fees Under XXX%XXX FICO ; No Mortgage Lates in last XXX
months XXX mos PITIA reserves XXX% DTI XXX per monthnth residual income;
|
06/18/2026
|
Client approved an exception to guidelines to allow for points and fees that exceed XXX% Client accepts risk for B grade and acknowledges
the following compensating factors for this purpose: Points and Fees Under XXX%XXX FICO ; No Mortgage Lates in last XXX months XXX mos PITIA reserves XXX% DTI XXX per monthnth residual income.
|
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.
|
C
|
B
|
C
|
B
|
C
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409052899
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
It appears the Borrowers have been qualified using XXX mos Business Bank Statement Income due to the bank Statements in file; however, there
is no loan approval, XXX or income calculation worksheet in file. When qualified using XXX mos Business Bank Statement income, a Business Narrative is required and has not been provided.
|
XXX is requesting the item be waived (not seller) -Please waive for Grade B- Business Narrative not required per XXX- Comp factors- XXX%
LTV, XXX% DTI, FICO XXX Please waive for Grade B- Business Narrative not required per XXX- Comp factors- XXX% LTV, XXX% DTI, FICO XXX?; ; Documentation received in XXX review. Document Uploaded.
|
06/25/2026
|
Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV,
XXX% DTI, FICO XXX.Seller is requesting waiver of Business Narrative for Bank Statement program. XXX to review.Received the XXX and income calculation. Provide Business Narrative as required for files qualifying with business bank Statements.
|
06/25/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before. Evidence of e-consent was provided in the file, however, it is not dated.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Evidence of eConsent is provided.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing. There are not title searches, commitments, or policies provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Received Title commitment. Exception Resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing. There is no Final 1003 for either borrower.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
The Final 1003 is Present. Exception Resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
It appears the borrowers have been qualified using XXX months business bank Statements in file; however, there is no Lender Income
Calculation Worksheet in file.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Received Lender income calculation worksheet. Exception Resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE0387
|
Credit
|
Borrower 2 Photo Identification not provided
|
Borrower 2 Photo Identification not provided. No identification verification has been provided.
|
Document Uploaded. Documentation received in XXX review.
|
06/21/2026
|
Patriot Form provided. Exception Resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. No identification verification has been provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Patriot form provided. Exception resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1201
|
Credit
|
Third Party Fraud Report not Provided
|
Missing Third Party Fraud Report. Seller's Fraud Report has not been provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Third Party Fraud Report is provided. Exception Resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053052
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. The file is missing the XXX and no other Lender Approvals have been provided.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Approval/Underwriting Summary provided. Exception Resolved.
|
06/22/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time -
Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE3978
|
Credit
|
Missing Letter of Explanation (Credit)
|
Per XXX v12, if the credit report indicates inquiries within the most recent XXX days of the credit report, the seller must confirm the
borrower did not obtain additional credit that is not reflected in the credit report or mortgage application. In these instances, the borrower must explain the reason for the inquiry. The credit report dated XX/XX/XXXX reflected the following
inquiries: XX/XX/XXXX LLC, XXX, XXX, XX/XX/XXXX LLC, XXX, XXX.
|
Please clear finding- all of these are seller inquiries.
|
06/24/2026
|
Inquiries were from the seller. Condition resolved.
|
06/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409049898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
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 Title reflects coverage of $XXX; however, the Note reflects
a loan amount of XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Short Form Title provided and reviewed at XXX coverage meets GLTitle Coverage Amount of XXX is equal to or greater than Total Amount of
Subject Lien XXX
|
06/24/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
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
|
|
|
409052319
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1467
|
Credit
|
Asset 1 Missing
|
Asset 1 Missing. Missing final CD evidencing proceed from sale of property XXX XXX ($XXX).
|
Documentation received, XXX to review. Document Uploaded. Please see XXX signed ALTA.Documentation received in XXX review. Document
Uploaded. See XXX settlement Statement.
|
06/23/2026
|
Executed HUD1 provided and reviewed, is stamped certified final by settlement agent.Asset 1 Provided Received XXX. Document is not signed by
the borrowers and/or signed/stamped by the settlement agent. Provide HUD that is stamped certified final by settlement agent.
|
06/25/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052319
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/15/2026
|
Resolved
|
FCRE1165
|
Credit
|
Flood Insurance Policy XXX Provided
|
Flood Insurance Policy XXX Provided. Missing flood insurance policy only the payment confirmation was provided.
|
Documentation received in XXX review. Document Uploaded. See XXX flood insuranceFlood Insurance Policy XXX Provided. Missing flood insurance
policy only the payment confirmation was provided.;
|
06/21/2026
|
Received Flood Policy. Exception Resolved.
|
06/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052319
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE1305
|
Credit
|
Income 2 Income Trend is Decreasing
|
Income X Income Trend is Decreasing. The following months XXX/XXX, XXX/XXX, XXX/XXX, XXX/XXX, XXX/XXX, XXX/XXX, XX/XX/XXXX and XX/XX/XXXX
show withdrawals greater than deposits for business checking account used for income qualification. XXX Expanded XXX Bank Statement Program considers this declining cashflow/income. Missing letter of explanation for cashflow/income.
|
XXX_ Please waive for Grade B (XXX) - LTV XXX%, DTI XXX% FICO XXX;
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DTI XXX%
FICO XXX
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052319
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative required for the XXX Expanded XXX Bank Statement Program.
|
XXX_ Please waive for Grade B (XXX) - LTV XXX%, DTI XXX% FICO XXX;
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DTI XXX%
FICO XXX
|
06/18/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051093
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052490
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Evidence of eConsent is provided.
|
06/22/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052490
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FPRO1136
|
Property
|
Subject property appraisal is not on an as-is basis (Primary Value)
|
Primary Value Subject Property Appraisal is not on an As-Is Basis. Appraisal is subject to completion of concrete XXX and patio
|
Documentation received in XXX review. Document Uploaded.
|
06/21/2026
|
Appraisal completion report provided. Condition resolved. Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX.
|
06/22/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051552
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Provide a copy of HOA Document of $XXX/per month for the property XXX.
|
Documentation received, XXX to review. Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
Client provided Updated 1003 reflecting monthly HOA fees of $XXX. LM Updated. Cleared.Received HOA Statement that shows monthly HOA fees of
XXX vs. $XXX. Provide corrected 1003.
|
06/30/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|
|
409053912
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
XXX: DD to waive for B Grade. Seller Guidelines allow escrow waiver if LTV under XXX% Only Flood Required, if Any. Escrow waiver taken into
account in pricing and fine to proceed with escrow. Comp Factors: XXX% LTV XXX FICO XXX mos PITIA reserves XXX DSCR;
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX FICO
XXX mos PITIA reserves XXX DSCR.
|
06/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409053912
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
W-XXX Missing for LLC
|
XXX: DD to waive for B Grade. Seller Guidelines do not require w-XXX, evidence of XXX from IRS in file. Fine to proceed without WX with IRS
Verification of XXX for entity. Comp Factors: XXX% LTV XXX FICO XXX mos PITIA reserves XXX DSCR; XXX from IRS documented.;
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XXX FICO
XXX mos PITIA reserves XXX DSCR; XXX from IRS documented.
|
06/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053912
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Rescinded
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty.
|
XXX: DD to review - Please review note. Borrower signed note as an individual as well as on behalf of entity.;
|
06/22/2026
|
Borrower signed the note as an individual and on behalf of the LLC. Exception Rescinded.
|
06/22/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per XXX XXX, if the borrower has a mortgage history in the
most recent XXX months, a mortgage rating must be obtained. In addition, if the borrower has a rental history in the most recent XXX months, a VOR must be obtained. The credit report reflects XXX months of payment history for the subject
property. Prior to residing in subject property the borrower rented XXX year. The loan file did not contain the VOR for the prior residence to fully document the required rental history.
|
DD to waive for B grade. Comp Factors: XXX per month residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTV. Documentation
received, XXX to review. Document Uploaded.
|
07/06/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX per month
residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTVThe same credit supplement with only XXX months of mortgage history was provided. Prior to residing in subject property the borrower rented XXX year. The loan file did not
contain the VOR for the prior residence to fully document the required rental history.
|
07/07/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. XXX e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
XXX: DD to waive for B grade. Comp Factors: XXX per month residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTV.Documentation
received, XXX to review. Document Uploaded.
|
06/26/2026
|
Evidence of eConsent is provided.documentation provided does not show electronic consent. Documentation required. XXX e-signed document in
the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.
|
06/29/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. The loan file does not contain the Lender's Approval or the Lender's XXX
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
The XXX/Loan Approval docs were provided however, they were uploaded to the compliance condition for e-sign disclosure
consent.Approval/Underwriting Summary is fully present
|
06/26/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
The loan file is missing the Lender's Income Calculation Worksheet. The pricing details reflect a monthly income of XXX was used. Other
conditions may apply.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
Lender's income calculation worksheet provided. Condition resolved.
|
06/26/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE0386
|
Credit
|
Borrower 1 Photo Identification not provided
|
Borrower 1 Photo Identification not provided. The loan file does not contain the Borrower's photo ID or XXX Disclosure.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
XXX disclosure provided. Condition resolved.Photo Identification provided.
|
06/26/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing. The loan file is missing the Final signed 1003.
|
Documentation received, XXX to review. Document Uploaded.
|
06/25/2026
|
The Final 1003 is Present
|
06/26/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE6737
|
Credit
|
Missing Letter of Explanation (Income)
|
Per XXX XXX, income disclosed on the initial signed application should be reviewed. If income calculated is significantly higher than income
Stated on the XXXX, the underwriter should request an explanation form the borrower to determine acceptability of the income. The initial signed application reflected a monthly income of $XXX. The loan file did not contain the final loan
application, an approval with the income or the XXX with income. THe loan file did contain the lender's pricing sheet which reflected using a monthly income of XXX
|
XXX: DD to waive for B grade LOE for increase income. Seller Guidelines only need declines in income addressed. Comp Factors: XXX per month
residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTV. ****Final XXX/XXXX and income calc still required.***;
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX per month
residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTV.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Per XXX XXX, a Business Narrative for the bank Statement program is required. The loan file is missing the borrower's Business Narrative.
|
XXX: DD to waive for B Grade. Seller does not obtain for bank Statement alt doc per their own guidelines. Fine to proceed without. Comp
Factors: XXX per month residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTV;
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX per month
residual Income XXX% DTI XXX FICO XXX mos PITIA reserves XXX% LTV.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
B
|
A
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052376
|
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: 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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/24/2026
|
Evidence of appraisal delivery provided.
|
06/24/2026
|
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
|
B
|
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
|
|
|
409052376
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
finding-3716
|
Compliance
|
XXX Per XXX Interest Amount Test
|
This loan failed the per XXX interest amount test. (XXX. Prof. Code §2948.5) The per XXX interest amount charged on the loan XXX exceeds the
per XXX interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per XXX interest charge or credit threshold displayed above based on the client preferences configured on the per XXX interest settings
page. The violation may be cured by providing a PCCD with the true disbursement date and the final charged per-XXX amount or by refunding the overage of $XXX. If a refund is provided, the following documents are required: LOE to consumer,
updated PCCD, copy of refund, and proof of delivery (mailing label).
|
Document Uploaded. Documentation received, XXX to review.
|
06/24/2026
|
PCCD provided exception resolved
|
06/24/2026
|
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
|
|
|
409052014
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1145
|
Credit
|
Title Document Missing
|
Title Document is missing. Required Spousal Consent Form is not contained in the loan file.
|
Documentation received, XXX to review. Document Uploaded.
|
06/26/2026
|
Received recorded spousal consent. Exception Resolved.
|
06/26/2026
|
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
|
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
|
|
|
409052014
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Rescinded
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
The lender’s minimum tradeline requirements have not been met per guidelines. Borrower does not meet the tradeline requirement as XXX of the
open accounts are authorized user accounts. Lender Approved Exception granted. Lender did not list Additional Compensating factors.
|
Exception request was rescinded by Lender. Not needed. XXX DSCR does not require recent activity when using XXX accounts with XXX mo
history. Borrower meets requirements. Please review and rescind. Thank you, XXX;
|
06/26/2026
|
XXX States: Exception request was rescinded by Lender. Not needed. XXX DSCR does not require recent activity when using XXX accounts with
XXX mo history. Borrower meets requirements. Please review and rescind. Verified. Cleared.
|
06/26/2026
|
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
|
||
|
409052058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
The Borrower's income has been qualified using XXX mos Business Bank Statement Income which requires a Business Narrative. The Business
Narrative has not been provided.
|
XXX: DD to waive for B Grade. Seller does not require business narrative for bank Statement alt doc per their own guidelines. Fine to
proceed without. Comp Factors: XXX per month Residual Income XXX% DTI XXX% LTV XXX FICO ; No Mortgage Lates last XXX mos XXX mos PITIA reserves;
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX per month
Residual Income XXX% DTI XXX% LTV XXX FICO ; No Mortgage Lates last XXX mos XXX mos PITIA reservesWaived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX per month Residual
Income XXX% DTI XXX% LTV XXX FICO ; No Mortgage Lates last XXX mos XXX mos PITIA reserves.
|
06/29/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
D
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409052058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
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 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, 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 Appraisal Fee
on the initial CD dated XX/XX/XXXX. File does not contain a COC for the increase. The invoice for the appraisal (pg XXX) dated XX/XX/XXXX showing the increase does not provide a reason and fee was not disclosed to borrower within XXX days of
the increase.
|
Documentation received in XXX review. Document Uploaded.
|
06/29/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
06/29/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
D
|
B
|
C
|
B
|
D
|
B
|
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
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409053874
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing verification of taxes, insurance and HOA dues (if applicable) for XXX property XXX XXX.
|
Documentation received, XXX to review. Document Uploaded. Please see revised 1003,XXX with corrected REO expenses.Documentation received,
XXX to review. Document Uploaded.
|
06/30/2026
|
Provided and reviewed the revised 1003, XXX with corrected REO expenseReceived Property Detail Report which confirms the property at XXX,
along with the tax cert and LOX from the borrower which States the property has no HOA fees and borrower has chosen not to have homeowners insurance. The final application reflects XXX in monthly insurance, taxes and HOA dues. The Tax cert
support XXX per month. Provide explanation/documentation for the difference of XXX along with a corrected application if applicable.
|
07/01/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053874
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Business Narrative provided is incomplete. Business narrative is missing "where is business located and any XXX obligations
(iemortgages/rent) and number of employees, full time/part time or XXX.
|
DD to waive for B Grade. Seller does not obtain for bank Statement alt doc per their own guides. Fine to proceed without. Comp Factors: XXX%
DTI XXX FICO ; No Mortgage Lates Last XXX mos XXX per month residual income;
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI XXX FICO ;
No Mortgage Lates Last XXX mos XXX per month residual income.
|
06/22/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409055128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
finding-3652
|
Compliance
|
Lender Credits That Cannot Decrease Test
|
This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good
faith determination according to §1026.19(e) (3) (i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that
displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures 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 lender credit tolerance violation
in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the initial CD dated XX/XX/XXXX. No COC in the file.
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Documentation received, XXX to review. Document Uploaded. Please see XXX;
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06/23/2026
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Valid COC provided exception resolved Valid COC provided exception resolved
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06/23/2026
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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%
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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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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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409055128
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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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06/16/2026
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Rescinded
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FCRE1437
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Credit
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Income and Employment Do Not Meet Guidelines
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Income and Employment Do Not Meet Guidelines. Profit and Loss must be prepared by a third party tax preparer with PTIN. Attestation provides
a XXX #, which is not a listed option.
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XXX - Reviewed with XXX Management. XXX is required to have a PTIN to obtain XXX. XXX is acceptable as long as documentation provided
active.;
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06/22/2026
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XXX confirmation XXX is acceptable. Exception Rescinded.
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06/22/2026
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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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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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||
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409055128
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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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06/17/2026
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Resolved
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FCOM2137
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Compliance
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Lender did not provide ATR/QM Status Determination
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Missing required lender QM designation/compliance report Lender did not provide ATR/QM Status Determination.
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Document Uploaded.
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06/22/2026
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Compliance report received. Condition resolved.
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06/22/2026
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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%
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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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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
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409054035
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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: Higher Priced APOR (APOR HP)
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Loan Review Complete
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06/16/2026
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Waived
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FCRE8506
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Credit
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Application Profile Missing
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Missing required Business Narrative for the XXX XXX program
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Please waive for B Grade. Meets seller guidelines XXX accepted by XXX COMP FACTORS: • FICO >XXX pts above min XXX • Business in existence
>XXX years • Excellent residual income
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06/22/2026
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Waived per client request. Client accepts risk for B grade and acknowledges that this loan meets seller guidelines XXX accepted by XXX. The
following compensating factors were identified for this purpose: FICO >XXX pts above min XXX • Business in existence >XXX years • Excellent residual income.
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06/22/2026
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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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D
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B
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D
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B
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D
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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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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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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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B
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A
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A
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409054035
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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: Higher Priced APOR (APOR HP)
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Loan Review Complete
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06/16/2026
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Waived
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FCRE1437
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Credit
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Income and Employment Do Not Meet Guidelines
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Income and Employment Do Not Meet Guidelines. Expense factor can never be less than XXX% Lender used XXX% as per XXX Letter p. XXX. XXX%
Expense factor used to calculated Incomes of XXX for both the borrowers.
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Please waive for B Grade. Meets seller guidelines XXX accepted by XXX COMP FACTORS: • FICO >XXX pts above min XXX • Business in existence
>XXX years • Excellent residual income
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06/22/2026
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Waived per client request. Client accepts risk for B grade and acknowledges that this loan meets seller guidelines XXX accepted by XXX. The
following compensating factors were identified for this purpose: FICO >XXX pts above min XXX • Business in existence >XXX years • Excellent residual income. In addition, client is allowing XXX as the Qualifying FICO .
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06/22/2026
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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
|
D
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B
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C
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B
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D
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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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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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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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B
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A
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A
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409054035
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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: Higher Priced APOR (APOR HP)
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Loan Review Complete
|
06/17/2026
|
Resolved
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finding-3526
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Compliance
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Revised Loan Estimate Delivery Date Test (prior to consummation)
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This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR
§1026.19(e) (4) (ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date
is less than seven 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 revised loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures
required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is not provided to the consumer in person, the consumer is considered to have
received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX (CTC amount $XXX) was mailed, and therefore not received
by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation
|
Documentation received, XXX to review. Document Uploaded. PLEASE SEE DISCLOSURE TRACKING PROOF FOR LE SENT & RECEIPT DATES TO CLEAR.
THANK YOU.
|
06/22/2026
|
Revised LE receipt date provided exception resolved revised LE receipt date provided exception resolved
|
06/22/2026
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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
|
D
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B
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C
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A
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D
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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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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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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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B
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A
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A
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|
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409050753
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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
|
06/17/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Per XXX v12, QM Designation must be provided in the loan file. Lender did not provide ATR/QM Status Determination.
|
Documentation received, XXX to review. Document Uploaded. Unable to locate testing in file XXX or equivalent with testing.;
|
06/24/2026
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Received XXX. Exception Resolved.
|
06/24/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
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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A
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A
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A
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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
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409049648
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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
|
06/17/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. The borrowers' income has been qualified using a business bank account which is
also XXX used for asset qualification. There is no XXX letter or corporate resolution in file to confirm the use of business funds for subject transaction will not have a negative impact on the borrowers' business.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Client confirmed that a XXX letter or corporate resolution in file to confirm the use of business funds for subject transaction will not
have a negative impact on the borrowers' business and Cash Flow Analysis are included in the loan file for business assets.Asset Qualification Meets Guideline Requirements.
|
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.
|
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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B
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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409049648
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Evidence of appraisal delivery provided.
|
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.
|
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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B
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A
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C
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C
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A
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B
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C
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C
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A
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B
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C
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C
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A
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B
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C
|
C
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A
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B
|
C
|
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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A
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A
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A
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A
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A
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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
|
A
|
|
|
409053896
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. The subject transaction is a primary residence, but the appraisal
included a XXX comparable rent schedule. Please provide an explanation.
|
Documentation received in XXX review. Document Uploaded. Document Uploaded. Documentation received in XXX review.;
|
06/29/2026
|
Lender LOE regarding reason for rental analysis in file on page XXX Lender also provided documentation to confirm other property/loan in
question was cancelled. Condition cleared.Received a copy of the appraisal with XXX ; The subject transaction is a primary residence, but the appraisal included a XXX comparable rent schedule. Please provide an explanation.
|
06/29/2026
|
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
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
B
|
A
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
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B
|
C
|
C
|
C
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053896
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE3472
|
Credit
|
Overdraft/XXX Count Exceeds Tolerance
|
Overdraft/XXX count exceeds tolerance. The borrower's income has been qualified using XXX mos business bank Statements which reflect XXX XXX
in the last XXX months, none in the last XXX More than XXX in the last XXX months requires underwriter approval. The file contains the required LOX from the borrower and an Approved Exception for the XXX XXX. Compensating factors not
listedhowever, additional requirements of max DTI of XXX% and XXX mos reserves for subject property have been applied.
|
XXX Granted exception. COMP FACTORS: • Current mortgage XXX • FICO > XXX points over min • Excellent residual income
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • Current mortgage
XXX • FICO > XXX points over min • Excellent residual income.
|
06/26/2026
|
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
|
B
|
C
|
B
|
C
|
B
|
C
|
A
|
B
|
A
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053896
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
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. XXX
|
Documentation received in XXX review. Document Uploaded.
|
06/23/2026
|
Evidence of appraisal delivery provided.
|
06/24/2026
|
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.
|
C
|
B
|
B
|
A
|
C
|
B
|
C
|
A
|
B
|
A
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
C
|
C
|
C
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409055746
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
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. Asset 2: XXX Acct# XXX does not meet guidelines – less than XXX months of Statement
provided
|
Based on the seller comment below, can we drop the XXX account from eligible funds and move the loan forward?This is not needed because file
already contains assets from XXX, Acc no ending with XXX which has balance of XXX as on XX/XX/XXXX which is more than sufficient to cover cash to close of XXX and reserves of XXX (XXX months reserves). So Even if XXX assets are excluded, file
has sufficient funds to cover cash to close + reserves.;
|
06/25/2026
|
This asset has been excluded. Borrower has sufficient assets from their XXX. Condition resolved.Asset Record XXX Meets G/L Requirements Or
XXX.
|
06/25/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409055746
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow account required. Per First Payment Letter, no escrow account established at closing.
|
Please waive for B grade - XXX Granted exception. Comp factors: DSCR >XXX FICO XXX Experienced XXX
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR >XXX, FICO
XXX and Experienced XXX.
|
06/22/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409055745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing the original Operating Agreement, only the amended Operating Agreement was provided.
|
Documentation received in XXX review. Document Uploaded. Missing the original Operating Agreement, only the amended Operating Agreement was
provided. We have an amendment document provided showing ownership of both borrowers XXX and XXX as XXX% each.;
|
06/29/2026
|
Original operating agreement was provided.
|
06/29/2026
|
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
|
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
|
|
|
409055745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE1180
|
Credit
|
XXX Insurance Policy is Missing
|
XXX Insurance Policy is Missing. XXX policy provided is missing the premium amount.
|
Documentation received in XXX review. Document Uploaded.
|
06/29/2026
|
XXX policy provided and reviewed, agent provided premium of XXX with water backup limits additional $XXX. XXX Insurance Policy is fully
present.
|
06/29/2026
|
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
|
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
|
|
|
409055745
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE2501
|
Credit
|
Personal Guaranty Agreement Incomplete
|
Personal Guaranty Incomplete. Missing Personal Guaranty from XXX% XXX XXX.
|
Document Uploaded. Documentation received in XXX review.; Personal Guaranty Incomplete. Missing Personal Guaranty from XXX% XXX XXX. As per
the amendment document dated XX/XX/XXXX provided, XXX is no longer a XXX of the company.;
|
06/29/2026
|
Personal Guaranty provided.
|
06/29/2026
|
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
|
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
|
|
|
409053175
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/16/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Missing proof the borrower has a XXX% interest in the company he owns, only a business
narrative.
|
Documentation received, XXX to review. Document Uploaded. Uploaded Document its operating agreement. Documentation received in XXX review.
Document Uploaded.
|
06/25/2026
|
Client provided copy of Operating Agreement showing borrower as XXX% XXX of business entity.Income and Employment Meet Guidelines. Received
a VVOE and a XXX search of the business. Missing documentation to support the borrower's ownership XXX as required by XXX guidelines.
|
06/26/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053175
|
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: 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. Also, file contains email confirmation that the CDA was provided
to the borrower but not the appraisal
|
Documentation received in XXX review. Document Uploaded. Appraisal Delivery Status.;
|
06/21/2026
|
Evidence of appraisal delivery provided.
|
06/22/2026
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
B
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
C
|
C
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051555
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/16/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Per XXX DSCR Guidelines Version XXX ; The loan file is to included an executed W9. The loan file is missing the executed W9.
|
Please waive for B Grade. Meets seller guidelines XXX accepted by XXX - Comp factors: FICO XXX DSCR >XXX, Excellent reserves - Thanks,
XXX
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR
>XXX, Excellent reserves
|
06/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409049889
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Short term rental history provided does not list management fees which must be deducted from
the calculation per XXX DSCR guidelines
|
Please waive for B Grade. Meets seller guidelines XXX accepted by XXX- Comp factors: FICO XXX / DSCR>XXX / LTV less than max Thank you,
XXX -
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR >
XXX and LTV less than max.
|
06/19/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051585
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Lender calculations for borrower income not found in loan file
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Received Lender income calculation. Exception resolved.
|
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%
|
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
|
|
|
409052489
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE0376
|
Credit
|
Tradelines do not meet Guideline Requirements
|
The lender’s minimum tradeline requirements have not been met per guidelines. Lender Exception in file Approved: Borrower does not meet
minimum tradelines guidelines. Comp factors: FICO XXX DTI XXX% Limited use of credit, Excellent residual income.
|
06/29/2026
|
Client approved an exception to allow for tradelines that do not meet guideline requirements. Client accepts risk for B grade and
acknowledges the following compensating factors for this purpose: FICO XXX DTI XXX% Limited use of credit, Excellent residual income.
|
06/29/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409052489
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property has XXX + acres, per guidelines properties between XXX acres must meet the following: No
income producing attributes. Property has a Polebarn with what appears to be stables for farm animals such as horses, cows, sheep, etc.
|
Documentation received in XXX review. Document Uploaded.
|
06/29/2026
|
Documentation is sufficient. Photos and LOE provided. Not an income producing property. Exception resolved.Property/Appraisal Meets
Guidelines.
|
06/29/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
C
|
C
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: The subject transaction is delayed financing. There is an approved lender exception for the
appraisal reflecting long term rental. Current lease is only XXX months.
|
06/23/2026
|
Client approved an exception to guidelines to allow for XXX month lease term. Client accepts risk for B grade and acknowledges the following
compensating factors for this purpose: LTV XXX% and DSCR XXX.
|
06/23/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
C
|
B
|
D
|
B
|
C
|
B
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
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B
|
A
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B
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B
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B
|
A
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B
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B
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B
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A
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||
|
409051074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Escrow account required. Lender exception approved but is missing compensating factors. Provide compensating factors.
|
Exception approved for escrow waiver: Comp Factors: LTV XXX%, DSCR XX/XX/XXXX FICO
|
06/22/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DSCR XXX.
|
06/22/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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B
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B
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B
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A
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B
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B
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B
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A
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B
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B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
|
|
409053859
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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
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A
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||||||||||||
|
409053505
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per XXX Expanded Underwriting Guidelines, v12, If the
borrower has a mortgage history in the most recent XXX months, a mortgage rating must be obtained. The mortgage rating may be on the credit report or a VOM. Borrower owns XXX financed with XXX #XXX. The credit report reflects the mortgage was
opened on XX/XX/XXXX and reflected verified XXX months payments. The mortgage Statement was provided for this account reflected XX/XX/XXXX payment. The loan file is missing payment history from when property was XXX through current. The
borrower also owns XXX financed with XXX #XXX. The fraud report reflects this was XXX XXX/XXX. The loan file is missing the mortgage history for this property.
|
Documentation received, XXX to review. Document Uploaded. deed showing property sold;
|
06/22/2026
|
A deed was provided showing XXX to a LLC and the Seller's Residence Certification/Exemption was provided. Condition resolved.Verification of
Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing
|
06/24/2026
|
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.
|
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
|
A
|
|
|
409053505
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE2371
|
Credit
|
Missing final HUD-XXX from sale of non-subject property
|
The Final 1003 reflects property located at XXX, XXX was sold. Missing proof XXX was sold.
|
Documentation received, XXX to review. Document Uploaded. deed showing sold;
|
06/22/2026
|
A deed was provided showing XXX to a LLC and the Seller's Residence Certification/Exemption was provided. Condition resolved.
|
06/24/2026
|
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.
|
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
|
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
|
A
|
A
|
A
|
A
|
A
|
|
|
409053505
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
finding-4040
|
Compliance
|
Qualified Mortgage APR Threshold Test
|
This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e) (2) (vi) ) A qualified mortgage is a covered transaction
which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date
the rate was set plus XXX% orThe note amount for a first lien on a manufactured home is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%
orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus
XXX%orThe note amount for a second lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX% orThe note amount on a first
lien a non-manufactured home or a second lien is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%. Non QM Loan allowed per XXX Expanded
v12 guidelines for rate spread. Finding provided for information only.
|
06/22/2026
|
Non QM Loan allowed per XXX Expanded v12 guidelines for rate spread. Finding provided for information only.
|
06/22/2026
|
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 | 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
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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
|
||
|
409047620
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO1296
|
Property
|
Was lowest appraised value used to qualify is No
|
XXX appraisals in file, however the lowest appraised value was not used to qualify. Per Guidelines the lower of the XXX values to be used as
the appraised value of the property.
|
Documentation received, XXX to review. Document Uploaded. XXX are the correct appraisals.
|
06/29/2026
|
Valuation used for LTV meets guidelines.
|
06/29/2026
|
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
|
B
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
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B
|
A
|
B
|
A
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B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052554
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
|
||||||||||||
|
409053420
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
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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
|
||||||||||||
|
409049693
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE5774
|
Credit
|
Borrower 1 Credit Report is Incomplete
|
Borrower 1 Credit Report is XXX Present. The only credit report in file is dated XXX, reflecting only one tri-merge inquiry in last XXX days
from XXX. The debts on that credit report match the debts on the F1003, and the score matches the XXX However, the auto-printed inquiry explanation form is dated XXX and explains XXX tri-merge inquiries, the one from XXX, the Lender's credit
dated XXX, and one for XXX. The credit report reflecting the latest inquiry has not been provided.
|
Documentation received in XXX review. Document Uploaded.
|
07/02/2026
|
Client provided Credit Report dated XX/XX/XXXX Reflecting XXX Inquiries in the last XXX days. LM Updated. Cleared.Borrower 1 Credit Report
is not XXX present.
|
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.
|
D
|
A
|
C
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
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
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A
|
D
|
D
|
A
|
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
|
A
|
|
|
409049693
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE0377
|
Credit
|
The Total Hazard Coverage is LESS than the Required Coverage Amount
|
The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Checklist of coverage
showing replacement cost is referenced on the policy but was not provided. Policy reflects roof loss settlement at replacement cost, but not dwelling coverage itself.
|
Documentation received in XXX review. Document Uploaded.
|
07/02/2026
|
Client provided XXX. LM Updated. Cleared.The Total Hazard Coverage is greater than or equal to the Required Coverage Amount
|
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.
|
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
|
|
|
409049693
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE8506
|
Credit
|
Application Profile Missing
|
The borrower's income has been qualified using XXX months business bank Statements which requires a Business Narrative to be provided. The
file contains a blank, signed Business Narrative but not the completed form.
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Client provided Business Narrative for Bank Statement Program. LM Updated. Cleared.
|
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.
|
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
|
|
|
409049693
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. The borrower's income has been qualified using XXX mos business bank Statements.
The same bank account is XXX used for asset qualification. The file is missing an LOX or XXX letter stating the use of business funds for subject transaction will not have a negative impact on the business.
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Client provided LOE stating: Please be advised the use of XXX account ending in XXX for cash to close will not have a negative impact on
XXX. LM Updated. Cleared.Asset Qualification Meets Guideline Requirements.
|
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.
|
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
|
|
|
409049693
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
The borrower's income is based on the borrower XXX sole XXX of his company. There is no documentation in file verifying the borrower is XXX%
XXX of the company that appears on the bank Statements used for income qualification.
|
Documentation received in XXX review. Document Uploaded.
|
07/02/2026
|
Client provided XXX account agreement reflecting the Borrower has signor for XXX. LM Updated. Cleared.
|
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.
|
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
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A
|
A
|
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
|
A
|
A
|
|
|
409054723
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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
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A
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A
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A
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A
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A
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A
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A
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||||||||||||
|
409050398
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. Hazard policy shows XXX is included, but the terms are not disclosed. Unable to verify the
lender-required XXX months coverage.
|
Document Uploaded. XXX: DD to waive for B Grade. Exception XXX. Comp Factors:XXX Proceeds Cover over XXX months rents for reserves XXX FICO
; No Mortgage lates in last XXX mos XXX DSCRPlease re-review-XXX guides do not require rent loss coverage;
|
07/08/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose:XXX Proceeds Cover
over XXX months rents for reserves XXX FICO ; No Mortgage lates in last XXX mos XXX DSCR.
|
07/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
A
|
A
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A
|
D
|
D
|
C
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A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
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A
|
B
|
B
|
A
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A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050398
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. No Desk Review was provided.
|
Documentation received, XXX to review. Document Uploaded. CDA supporting $XXX?; ; Documentation received in XXX review. Document Uploaded.
|
07/08/2026
|
Client provided XXX CDA. LM Updated. Cleared.Third party valuation product provided within tolerance.Received AVM dated XXX which supports a
value of XXX which is not within tolerance of the XXX appraised value.
|
07/08/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409055156
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409047597
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Cured
|
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 zero tolerance violation in the amount of XXX is due to the addition of the Final Inspection fee added to the CD XXX. Appraisal was "subject to" on XXX and file shows first UCDP submission (pg XXX) was completed on XX/XX/XXXX, however
the re-inspection fee was not disclosed to the borrower until XXX. XXX A reimbursement of XXX was given at closing, XXX was already applied to XXX% tolerance violation leaving XXX which was applied to the XXX% failure. 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 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).
|
Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Cure package provided to the borrower; exception downgraded to a 2/B Cure package provided to the borrower; exception downgraded to a 2/B
|
07/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
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
|
|
|
409047597
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
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.
|
Documentation received in XXX review. Document Uploaded.
|
06/26/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
06/26/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
B
|
B
|
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
|
|
|
409050391
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage. Hazard policy shows Fair Rental Income as "refer to policy", but the policy terms are not disclosed.
Unable to verify the lender-required XXX months coverage.
|
Document Uploaded. XXX: DD to waive for B Grade. Exception approval XXX. Comp Factors:XXX Proceeds Cover over XXX months rents for reserves
XXX FICO ; No Mortgage lates in last XXX mos XX/XX/XXXX DSCR; XXX to review exception meeting XXX guidelines without documenting rent loss coverage mentioned on Dec page provided. DD to reopen finding pending review.Escalate for re-review.; XXX
guidelines do not require rent loss coverage. Rent Loss Appears to be included but coverage details not provided.;
|
07/02/2026
|
Exception provided and reviewed. DD to waive for B Grade. Exception approval XXX. Comp Factors:XXX Proceeds Cover over XXX months rents for
reserves XXX FICO ; No Mortgage lates in last XXX mos XX/XX/XXXX DSCR Rent Loss Coverage Present.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051821
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053848
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/18/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Escrow account required per XXX DSCR guidelines
|
Please waive for B grade. XXX has granted exception. Comp factors: FICO XXX; DSCR >. XXXLTV XXX% Thank you, XXX;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO and XXX%
LTV
|
06/23/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE1194
|
Credit
|
Audited LTV Exceeds Guideline LTV
|
Audited LTV of XXX% exceeds Guideline LTV of XXX% Borrower does not meet the criteria of experienced XXX, max LTV is XXX%.
|
Document Uploaded. Please see response from team, "Please advise the reviewer that the loan file had a certification / proof of equivalent
coursework in real eState property management was completed. (See XXX) XXX ; Therefore XXX% LTV is allowed because borrower qualifies for XXX% - XXX% = XXX% This was accepted by XXX as well. (See XXX) UW just forgot to update XXX See revised
XXX "Documentation received, XXX to review.;
|
07/02/2026
|
Client provided Intro to Property Management Course Completion Certificate dated XX/XX/XXXX. The Client also provided email from XXX
stating: the Course is acceptable and XXX LM Updated. Cleared.Audited LTV of XXX% is less than or equal to Guideline LTV of XXX%
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR Program Eligibility Guide v13, on each monthly payment date, the borrower shall deposit with lender an amount sufficient to
pay: XX/XX/XXXX of projected annual property taxes and an amount equal to XX/XX/XXXX of the insurance premium. The CD reflected the taxes and insurance were not escrowed.
|
Please waive for B grade. XXX has granted exception: Comp factors: FICO XXX / DSCR >XXX / Excellent reserves Thank you, XXX
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR
>XXX, Excellent reserves
|
06/23/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052567
|
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: 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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Evidence of appraisal delivery provided.
|
06/24/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|
|
409052567
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/23/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
06/24/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|
|
409047540
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/18/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Please waive for grade B (not required per XXX) - comp factors XXX% LTV, DSCR XXX FICO XXX;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, DSCR XXX
and FICO XXX
|
06/24/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409053914
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Operating Agreement (only have addendum) and WX in Entity name missing
|
XXX Comment- Please waive for B Grade. Meets seller guidelines XXX accepted by XXX - Comp factors: FICO XXX; DSCR >XXXLTV XXX%
Documentation received, XXX to review. Document Uploaded.
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following comp factors: FICO XXX; DSCR >XXXLTV XXX?; ;
Documentations received for the original operating agreement has been reviewed and accepted. However, the XXX in entity name has not been received.
|
06/30/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053914
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2500
|
Credit
|
Missing Personal Guaranty
|
Missing Personal Guaranty.
|
Please waive for B Grade. Meets seller guidelines XXX accepted by XXX - Comp factors: FICO XXX; DSCR >XXXLTV XXX% Thanks, XXX;
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR
>XXXLTV XXX%
|
06/19/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053914
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Escrow account required per XXX DSCR guidelines
|
Please waive for B Grade. Meets seller guidelines XXX accepted by XXX - Comp factors: FICO XXX; DSCR >XXXLTV XXX% Thanks, XXX;
|
06/18/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX; DSCR
>XXXLTV XXX%
|
06/19/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053559
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FCRE1480
|
Credit
|
Asset 2 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Final 1003 reflects proceeds from secured loan of XXX for down payment. Missing required
documentation to support terms of loan secured by departure home
|
Documentation received in XXX review. Document Uploaded.
|
06/25/2026
|
Received a copy of the note for the secured loan which outlines the terms. Exception Resolved.
|
06/26/2026
|
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
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409053559
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing for property located at XXX. Missing verification of taxes, insurance, and/or HOA fees for non-subject property.
|
Documentation received in XXX review. Document Uploaded.
|
06/25/2026
|
Received 1st Lien Statement, 2nd lien recent note verifying payment and HOA fees for XXX . Exception Resolved.
|
06/26/2026
|
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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409053559
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Waived
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. XXX e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
Please waive for grade B (not required for ccm) - comp factor LTV XXX%, DTI XXX% FICO XXX
|
06/23/2026
|
Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%,
DTI XXX% FICO XXX
|
06/26/2026
|
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
|
B
|
B
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409053559
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Lender utilized a XXX% expense ration for bank Statement income program. This exceeds the
minimum of XXX% for the XXX Expanded program XXX
|
Please waive for grade B (not required for ccm) - comp factor LTV XXX%, DTI XXX% FICO XXX;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DTI XXX%
and FICO XXX
|
06/25/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409053559
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing required Business narrative for the XXX XXX program
|
Please waive for grade B (not required for ccm) - comp factor LTV XXX%, DTI XXX% FICO XXX;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DTI XXX%
FICO XXX
|
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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
B
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
D
|
D
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
B
|
B
|
A
|
B
|
|
|
409053489
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053090
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409056369
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
FCOM6034
|
Compliance
|
Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate "
|
The Final CD is reflecting an escrow for school taxes in the amount of XXX per month based on XXX tax figures vs XXX taxes due of XXX per
month. Lender used the correct amount for the DSCR calculation.
|
Document Uploaded. PCCD and loe uploaded Documentation received, XXX to review.DD to reopen - Incorrect PCCD uploaded.Document Uploaded.
|
07/02/2026
|
A PCCD was provided which reflected the correct figure for the school tax. Condition resolved.Reopened at the request of XXX.
|
07/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409056369
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FPRO1137
|
Property
|
The appraiser was not XXX (Primary Value)
|
Primary Value appraiser's XXX was not effective prior to the Valuation Date or expired prior to the Valuation Date. The appraisal provided
has an effective date of XXX. The appraiser's XXX in file reflects an effective date of XXX. XXX ov confirms XXX was issued XXX and no XXX prior to this date.
|
Documentation received, XXX to review. Document Uploaded. Condition UpdatedDocumentation received, XXX to review. Document Uploaded. apprsl
lic XXX
|
07/02/2026
|
Appraiser's XXX provided showing previous effective date of XX/XX/XXXX. Condition resolved.Primary Value appraiser's XXX was effective prior
to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser XXX Dates Are Not Provided.The XXX provided shows an effective date of XX/XX/XXXX, which is after the appraisal date of XX/XX/XXXX.
Please provide evidence the appraiser was XXX at the time of the appraisal.
|
07/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
C
|
A
|
C
|
B
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409056369
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/18/2026
|
Waived
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
The subject loan has been approved under the XXX DSCR XXX Guidelines which State "No leases with a term of > XXX years". The lease
provided is dated from XXX thru XXX, a XXX year lease, exceeding max term allowed.
|
Document Uploaded. DD to waive for B Grade. Exception Approved. Comp Factors: Previous Lease documented with lease term of XXX months with
renewal at XXX year termSame tenant and property tenant occupiedXXX% LTV XX/XX/XXXX DSCRNo Mortgage lates in last XXX months Experienced XXX.Post Close Exception was approved. Please note there will be XXX impact to pricing for exception.
Seller to acknowledge and finding will be cleared.XXX To review for exception. Please note there maybe impact to pricing. Max term per XXX Guidelines is XXX years on leases. Please review lease requirements section in XXX DSCR program
guidelines.Borrower has a history renting the property for Xy rior lease was XXX as well
|
07/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV XX/XX/XXXX
DSCRNo Mortgage lates in last XXX months Experienced XXX.Reopened as comments from XXX indicate they are reviewing for an exception.
|
07/01/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
A
|
C
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052598
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
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||||||||||||
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409053027
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
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Loan Review Complete
|
06/19/2026
|
Resolved
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FCRE0360
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Credit
|
Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. The Borrower is a XXX currently living "rent free". LOX
from the party with which the borrower is living has been provided. However, there is no verification in file confirming this person has ownership of the property.
|
Documentation received in XXX review. Document Uploaded.
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06/25/2026
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Owner of Borrower's current residence confirmed. Condition cleared.
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06/25/2026
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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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C
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A
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C
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409053027
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FCRE2000
|
Credit
|
B1 Tax Preparer Credential Verification Does Not Meet Guidelines
|
B1 Tax Preparer Credential Verification does not meet guidelines. The borrower's self-employment has been verified with a XXX letter. There
is no verification of the XXX 's XXX in file.
|
Documentation received in XXX review. Document Uploaded. Please reopen finding.;
|
06/25/2026
|
B1 Tax Preparer Credential Verification meets guidelines B1 Tax Preparer Credential Verification does not meet guidelines. The borrower's
self-employment has been verified with a XXX letter. There is no verification of the XXX 's XXX in file.
|
06/25/2026
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Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying
DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job.
|
C
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A
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C
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A
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409050566
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
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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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409053430
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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
|
06/17/2026
|
Resolved
|
FCRE1169
|
Credit
|
Flood Insurance Effective Date is after the Disbursement Date
|
Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Flood Insurance Effective Date of XX/XX/XXXX is
after the Disbursement Date of XX/XX/XXXX.
|
Document Uploaded. Documentation received in XXX review. Document Uploaded. Documentation received, XXX to review.
|
07/06/2026
|
Client provided Revised Flood Insurance Policy reflecting Policy Term XX/XX/XXXX Through XX/XX/XXXX. LM Updated. Cleared.Flood Insurance
Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided.Updated condition status to Open per XXX request. The XXX Flood Insurance document States - "Coverage
will be effective, XX/XX/XXXX, Per XXX, There is a XXX day Underwriting Period/Requirement." Effective date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please provide evidence of active coverage as of the Disbursement date of
XX/XX/XXXX, or a Statement of No Loss would suffice.
|
07/06/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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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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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B
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A
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C
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C
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B
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A
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C
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C
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B
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A
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C
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C
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B
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A
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C
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C
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B
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A
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409053430
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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
|
06/19/2026
|
Resolved
|
FPRO0947
|
Property
|
External Obsolescence Present
|
External obsolescence present. External obsolescence present in file.
|
Please clear finding- this is information only. Please explain what obsolescence.;
|
06/24/2026
|
Condition resolved at the request of the client as this was informational only.External obsolescence meets guidelines.The appraiser noted
that the subject is located in XXX, and Stated: many homes in this portion of the neighborhood are located in the same XXX impact on marketability has appeared minimal over the prior year.
|
06/25/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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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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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B
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A
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C
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C
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B
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A
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C
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C
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B
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A
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C
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C
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B
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A
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C
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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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409055757
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/17/2026
|
Resolved
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Per Final 1003, the borrower owns an additional REO with XXX mortgages and monthly additional maintenance costs of XXX per month. The 1st
mortgage is rated on the credit report in file and mortgage Statement has been provided. The Statement does show that taxes and insurance are escrowed but short by XXX per month. It is XXX if the XXX per month is including this shortage and if
there are any HOA dues. Additionally, the 2nd mortgage does not rate to the credit report, is not reflected on the fraud report or property profile provided, and there is no mortgage Statement or VOM in file. Missing verification of taxes,
insurance, and/or HOA fees for non-subject property.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX UW Cert with explanation, revised 1003 and revised XXX ; The second
loan XXX has not closed yet.;
|
07/02/2026
|
Client States: Please see XXX Cert with explanation, revised 1003 and revised XXX ; The second loan XXX has not closed yet. LOE for No HOA
provided. LM Updated. Cleared.Verification of taxes, insurance and HOA Fees provided.
|
07/02/2026
|
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
|
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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|
409053902
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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||||||||||||
|
409053247
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/19/2026
|
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 XX/XX/XXXX. Dates are accurate.
|
Documentation received, XXX to review. Document Uploaded. PCCD documentation and final ss uploaded for review.
|
07/01/2026
|
Revised Final CD with disbursement date and HOI effective date of XX/XX/XXXX was provided and reviewed is acceptable per XXX 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.;
|
07/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is
less than Guideline CLTV 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 XXX% is less than Guideline LTV 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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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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A
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|
|
409053178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Guidelines State that the borrower's business (XXX) is required to be in existence for the
past XXX years but business was incorporated on XX/XX/XXXX which would support less than XXX years in existence.
|
Documentation received in XXX review. Document Uploaded.
|
07/01/2026
|
Income and Employment Meet Guidelines. After review of XXX letter and XXX guidelines State that XX/XX/XXXX months self-employment history
may be considered as long as the borrowers most recent tax returns reflect income at the same or greater level in a field that provides the same products or services as the current business or in an occupation in which he or she had similar
responsibilities to those in connection with the current business.
|
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
|
C
|
A
|
C
|
A
|
C
|
A
|
A
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A
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C
|
A
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C
|
C
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A
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C
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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
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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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|
|
409053178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/18/2026
|
Resolved
|
finding-4040
|
Compliance
|
Qualified Mortgage APR Threshold Test
|
This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e) (2) (vi) ) A qualified mortgage is a covered transaction
which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date
the rate was set plus XXX% orThe note amount for a first lien on a manufactured home is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%
orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus
XXX%orThe note amount for a second lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX% orThe note amount on a first
lien a non-manufactured home or a second lien is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%. Non QM loan due to rate spread.
|
Can you confirm if this is a finding or information only?;
|
06/23/2026
|
Non-QM due to rate spread is allowed per XXX Expanded. XXX guidelines. Finding provided for information only and is resolved.
|
06/26/2026
|
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
|
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
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A
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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
|
A
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A
|
A
|
A
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A
|
A
|
A
|
|
|
409054691
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
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A
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A
|
||||||||||||
|
409051807
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
||||||||||||
|
409051456
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Business narrative form is not available in file guideline requires document for bank Statement income. Requesting business narrative form
for XXX.
|
Please waive for grade B (not required for CCM) - comp factors- XXX years in home, LTV of XXX%, Score of XXX;
|
06/23/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX years in home,
LTV of XXX%, Score of XXX
|
06/25/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline
minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
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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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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B
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A
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A
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|
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409053395
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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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||||||||||||
|
409055184
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: The Desk Review is a copy with black and white listing photos for comps. Please provide the original
color copy of the Desk Review. Also missing Assignment Letter from Previous Lender for the XXX appraisal.
|
Documentation received, XXX to review. Document Uploaded. this is not a XXX Appraisal. the Appraisal is in our name. XXX;
|
06/26/2026
|
Property/Appraisal Meets Guidelines.Discussed with XXX. CDA with black and white photos will be accepted. Finding is resolved. Please
provide the CDA report with color photos. The full XXX appraisal report with color photos has already been received.Upon further review, the lender name on the appraisal is accurate. Please provide color photos for the CDA report.
|
06/26/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
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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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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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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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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B
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C
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409055184
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete. The XXX Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount
of XXX Please provide a fully executed addendum to the XXX Agreement reflecting the updated loan amount to ensure consistency across all loan documentation.
|
06/23/2026
|
Upon further escalation with management, condition can be resolved as the correct loan amount is reflected on the HUD/Settlement Statement.
XXX Contract Doc is complete.
|
06/26/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
C
|
A
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B
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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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B
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C
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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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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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B
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C
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409050297
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
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||||||||||||
|
409051150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/24/2026
|
Rescinded
|
FPRO1140
|
Property
|
Subject property appraisal is not on an as-is basis (Secondary Value)
|
Secondary Value for Subject Property Appraisal is not on an As-Is Basis. Missing the appraisal completion report (form XXX) where the
appraiser confirms the tiles on the roof have been completed. The file contains an attestation from the borrower stating the work has been completehowever, there was no official form from the appraiser.
|
***Please note inspection was reviewed by DD - 1004D requested due to appraisal XXX subject to completion.; Documentation received, XXX to
review. Document Uploaded. The information regarding the roof repair came from the XXX, with photos and invoice denoting the roof was repaired accordingly. This type of documentation is acceptable per FNMA, and would not require the appraiser
to revisit the property for an inspection. Added XXX/XXX;
|
06/29/2026
|
1004D not required per FNMA Selling Guide when repairs have been made by a qualified professional, documentation and photos provided, and
attestation received. All required documentation in file on pages XXX-XXX. Condition rescinded.
|
06/29/2026
|
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
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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
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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
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A
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A
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A
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||
|
409051150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/24/2026
|
Rescinded
|
FPRO1136
|
Property
|
Subject property appraisal is not on an as-is basis (Primary Value)
|
Primary Value Subject Property Appraisal is not on an As-Is Basis. Missing the appraisal completion report (form XXX) where the appraiser
confirms the tiles on the roof have been completed. The file contains an attestation from the borrower stating the work has been completehowever, there was no official form from the appraiser.
|
Documentation received, XXX to review. Document Uploaded. The information regarding the roof repair came from the XXX, with photos and
invoice denoting the roof was repaired accordingly. This type of documentation is acceptable per FNMA, and would not require the appraiser to revisit the property for an inspection. Added XXX/XXX;
|
06/29/2026
|
1004D not required per FNMA Selling Guide when repairs have been made by a qualified professional, documentation and photos provided, and
attestation received. All required documentation in file on pages XXX-XXX. Condition rescinded.
|
06/29/2026
|
D
|
A
|
A
|
A
|
D
|
A
|
A
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A
|
A
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A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
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A
|
D
|
D
|
A
|
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
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A
|
A
|
A
|
||
|
409051150
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE6737
|
Credit
|
Missing Letter of Explanation (Income)
|
The borrower has been qualified using XXX mos Business Bank Statement Income. The qualifying income on the F1003 and XXX = XXX per month.
The Initial 1003 reflects income of XXX per month. Per XXX, when initial income is substantially less than the final income used, Lender to request an explanation from the borrower to determine acceptability of the income. LOX is not in file.
|
06/23/2026
|
DTI would remain at XXX% using initial 1003 income. Finding is resolved.
|
06/26/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
A
|
A
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409056843
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Waived
|
FCRE1479
|
Credit
|
Asset 1 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. Per XXX DSCR Guidelines Version XXX require bank Statements covering XXX months. FMHL
Variance does not address. The loan file contained the bank Statement from XX/XX/XXXX to XX/XX/XXXX reflecting an ending balance of XXX and a Verification of Deposit Report, dated XX/XX/XXXX reflect the balance of XXX on XX/XX/XXXX. The loan
file is missing XXX full months.
|
DD may waive for B Grade. Fine to proceed as long as XXX recent Statement documented for assets used to qualify at minimum. Fine to proceed
with min of XXX month pending update to FMHL Variance. Comp Factors: XXX FICO XXX Mos PITIA reserves XXX DSCR;
|
07/07/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO XXX Mos
PITIA reserves XXX DSCR.
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409056843
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Waived
|
FCRE1204
|
Credit
|
Fraud Report Shows Uncleared Alerts
|
Fraud Report Shows Uncleared Alerts. The XXX Fraud Report reflects possible undisclosed property located at: XXX , XXX, XXX ; The Seller
Fraud Reports reflects XXX, XXX, XXX was recorded on XX/XX/XXXX with a loan amount of XXX with XXX other individuals. Other conditions may apply.
|
Exception approved with no pricing hit. Please note this is XXX approved as an exception and that the updated guideline verbiage has not
been accepted in the approved variance at XXX at this point.Document Uploaded. XXX: DD to waive for B Grade. Exception Approval XXX. Comp Factors: XXX FICO ; No mortgage lates; XXX DSCR; Experienced XXX mos PITIA reserves; ; per FMHL
guidelines, this is not required on DSCR loansXXX To review for exception. FMHL guidelines changed from guidelines reviewed for variance approval. Guidelines used for variance were XX/XX/XXXX guidelines. DD to reopen pending exception review.
Documentation received in XXX review. Document Uploaded. please see enclosed... loan underwritten to FM guidelines
|
07/07/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO ; No
mortgage lates; XXX DSCR; Experienced XXX mos PITIA reserves. XXX To review for exception. FMHL guidelines changed from guidelines reviewed for variance approval. Guidelines used for variance were XX/XX/XXXX guidelines. DD to reopen pending
exception review.Fraud Report Shows Uncleared Alerts. The XXX Fraud Report reflects possible undisclosed property located at: XXX, XXX, XXX ; The Seller Fraud Reports reflects XXX was recorded on XX/XX/XXXX with a loan amount of XXX with XXX
other individuals. Other conditions may apply.
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409056843
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE5116
|
Credit
|
Missing VOM or VOR
|
Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per XXX DSCR Guidelines Version XXX no more than XXX day
mortgage late in past XXX months is allowed. The loan application reflected ownership of XXX financed with FMHL #XXX and XXX financed with FMHL #XXX. The loan file is missing the mortgage history for both of these properties.
|
Documentation received in XXX review. Document Uploaded. Verification of Mortgages for when they were with XXX. Documentation received in
XXX review. Document Uploaded. please see enclosed... loan underwritten to XXX guidelines
|
07/02/2026
|
Client provided VOMs for XXX and XXX . LM Updated. Cleared.Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not
MissingVerification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per XXX DSCR Guidelines Version XXX no more than XXX day mortgage late in past XXX months is allowed. The loan application reflected ownership of XXX
financed with FMHL #XXX and XXX financed with FMHL #XXX. The loan file is missing the mortgage history for both of these properties.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409056843
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE1481
|
Credit
|
Asset 3 Does Not Meet Guideline Requirements
|
Asset Record XXX Does Not Meet G/L Requirements. The borrower sold property located at XXX , XXX, XXX XXX ; The Exchange Agreement was
provided along with proof exchange funds in the amount of $XXX. The documentation reflected XXX was wire on XX/XX/XXXX. The CD provided does not reflect the XXX wire or the remining XXX XXX received for the exchange funds.
|
Documentation received in XXX review. Document Uploaded. docs showing wires... The XXX is XXX ; The XXX is interest added back XXX
|
07/02/2026
|
Client States: Wire Breakdown XXX = XXX + XXX-XXX = $XXX. Client also provided Outgoing Wires Reflecting XXX and $XXX. LM Updated.
Cleared.Asset Record XXX Meets G/L Requirements Or XXX
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054101
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE8506
|
Credit
|
Application Profile Missing
|
The borrower has been qualified using XXX mos Business Bank Statements which requires a Business Narrative be provided. XXX references
completed Narrative in e-mail, but the one in file is blank.
|
Document Uploaded.
|
07/02/2026
|
Client provided XXX Business Narrative Form and Operating Agreement reflecting the Borrower as XXX% XXX. LM Updated. Cleared.
|
07/02/2026
|
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
|
|
|
409052649
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
Rescinded
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated
Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.
|
Document Uploaded. Please review and rescind - form was in original upload. Thank you, XXX;
|
07/01/2026
|
ABA in file exception resolvedRequired Affiliated Business Disclosure Documentation Provided.
|
07/01/2026
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
A
|
A
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A
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409052649
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCOM3813
|
Credit
|
XXX Contract does not Match Final CD
|
The final CD does not reflect the correct XXX when compared to the XXX Contract. Truth in Lending Act (Regulation Z) 12 CFR XXX(a) (XXX)
(vii).
|
Documentation received, XXX to review. Document Uploaded. Documentation received in XXX review. Document Uploaded.
|
07/01/2026
|
Received addendum to XXX contract increasing the XXX to XXX which matches the final CD. Addendum is Executed by Borrower and Seller. LM
Updated. Cleared.The XXX on the XXX Contract and Final CD match.Received addendum to XXX contract increasing the XXX to XXX which matches the final CD. Addendum is signed by the seller only. Provide executed addendum with the buyers signature
and date.
|
07/01/2026
|
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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C
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A
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C
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409053158
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Rescinded
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Appraiser to confirm the property is not a working farm, ranch or
orchard as guidelines indicate these types of properties are ineligible. Property has a Shop and the picture of the interior of the Shop appears to have what looks like possible farm equipment, unable to verify based on angle and low lighting
so appraiser to confirm.
|
Please review and rescind. A riding mower does not indicate property is a farm. Thank you, XXX?; ; Documentation received, XXX to review.
Document Uploaded.
|
06/30/2026
|
Interior photo of shop reflects a riding mower vs. farm equipment. Condition rescinded.One or more issues or defects with the property have
been discovered. Please have appraiser confirm subject is not a working farm or orchard (interior shop photos reflect possible farm equipment).
|
06/30/2026
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B
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409053158
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/18/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
06/24/2026
|
Evidence of appraisal delivery provided.
|
06/24/2026
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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 XXX% is less
than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX% | Qualifying
FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
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B
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409050129
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
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ATR/QM: Exempt
|
Loan Review Complete
|
A
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A
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A
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A
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A
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||||||||||||
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409053396
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XXX
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XXXXX
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XX/XX/XXXX
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$XXXXXX
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XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/24/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. While the appraiser has mentioned deferred maintenance and given a
cost to curehowever, it appears that some of the items may affect health and safety. There is rotting wood on the deck and holes along the entrance path. There is chipping interior and exterior paint. The appraiser hasn't mentioned lead based
paint, but given the age of the property, it should be addressed. Also, there are cracks on some of the bedroom walls and on the ceiling.
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
06/29/2026
|
The issue with the property has been resolved.
|
06/29/2026
|
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 XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV of XXX%
|
C
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A
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C
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A
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409052637
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Required Compliance Report missing from the loan file. Lender did not provide ATR/QM Status Determination.
|
Document Uploaded. XXX: In loan package. DD to review.;
|
06/23/2026
|
Compliance report provided. Condition resolved.
|
06/24/2026
|
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
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A
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B
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409051577
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/19/2026
|
Rescinded
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Property is located in XXX XXX, not allowed in this area per lender guidelines. XXX to verify if property location is
acceptable.
|
XXX Comment- please clear, we limit it to the CITY Of XXX and not the County. Thanks- XXXProperties in the City of XXX, XXX are not allowed.
|
07/06/2026
|
XXX States: Comment- please clear, we limit it to the CITY Of XXX and not the County. LM Updated. Cleared.Property Title Issue. Property is
located in XXX XXX, not allowed in this area per lender guidelines
|
07/06/2026
|
D
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A
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A
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D
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||
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409051577
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Property is a Leasehold deed. This type of deed is ineligible for DSCR
loans. Lender provided exception request form that was denied.
|
Document Uploaded. Please review final policy which reflects property as Fee Simple and no longer Leasehold.;
|
07/01/2026
|
Client provided Revised Commitment for Title reflecting Fee Simple. LM Updated. Cleared.The issue with the property has been resolved.
|
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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C
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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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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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409051577
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FPRO0383
|
Property
|
FEMA Post Disaster Inspection Report not Provided
|
The subject property is a FEMA disaster casehowever, the inspection report was not provided. FEMA Emergency Declaration declared on
XX/XX/XXXX (XXX) : Public Assistance provided for subject property's county. No commentary from the appraiser regarding this.
|
XXX Request- Appraisal was completed in May XXX property was XXX months after the disaster with no issues. Please clear. Thanks- XXX;
|
07/01/2026
|
XXX States: Request- Appraisal was completed in May XXX property was XXX months after the disaster with no issues. Please clear.FEMA Post
Disaster Inspection report was provided.
|
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
|
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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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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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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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
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A
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|
|
409053170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
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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||||||||||||
|
409057004
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FPRO9990
|
Property
|
Third Party Valuation Product Not Provided within XXX% Tolerance
|
Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuations are XXX to this XXX.
|
Documentation received in XXX review. Document Uploaded. Please see XXX?; ; Documentation received, XXX to review. Document Uploaded. Please
clarify - appraisal with invoice XXX No tolerance variance T/Y;
|
07/14/2026
|
Received CDA and reviewed with XXX for XXX party valuation product provided within tolerance.The CU score is above XX/XX/XXXX and XXX
require a CDA or XXX support the appraised value within XXX% tolerance. Documents provided are insufficient. Third Party Valuation Product Not Provided or Not Provided Within Tolerance.
|
07/14/2026
|
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
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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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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409057004
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/19/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Certificates of formation/ filed articles of organization/incorporation, Operating agreement / XXX agreement / bylaws, Certificate of XXX
from State of organization and w-XXX for LLC are missing in file
|
Documentation received, XXX to review. Document Uploaded. Please note XXX First does not obtain W-XXX for LLC - XXX docs Operating Ageement
- Articles,XXX, COGS, Addendum to Op Agreement, IRS XXX, XXX T/Y;
|
06/25/2026
|
Required entity documentation was provided and reviewed, including required organizational and authority agreements.
|
06/25/2026
|
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
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A
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A
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D
|
D
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C
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A
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D
|
D
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C
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A
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D
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D
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C
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A
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D
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D
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C
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A
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409052619
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Missing XXX. Lender did not provide ATR/QM Status Determination.
|
Document Uploaded. XXX: Please review. In original loan package.;
|
06/25/2026
|
Compliance report provided. Condition resolved.
|
06/25/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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.
|
B
|
A
|
B
|
A
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A
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A
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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
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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
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B
|
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
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. The loan file did contain XXX months Statements (pg XXX-XXX) however, the Loan Details (pg
XXX) which reflected the borrower was qualified with monthly income of XXX using XXX months of business bank Statements. The Borrower also earns XXX in pension income. $XXX=$XXX = XXX left for business income. XXX XXX business checking #XXX was
used for income calculation at audit (pg XXX-XXX, XXX-XXX). Audit income using this business checking account only is XXX using a XXX% expense ratio per guidelines. Using personal checking in XXX XXX #XXX results in an additional income of XXX
using XXX% expense ratio. Total income XXX pension + XXX + XXX = $XXX. Additionally, personal checking account does not appear to be only used for business - multiple deductions appear to be personal deductions. Must prove this account is only
used for business in order to use to qualify.
|
Documentation received, XXX to review. Document Uploaded. Please see XXX business narrative for expense ratio and complete XXX months of
bank Statements. Per guidelines personal account can be utilized for deposits from business as part of income as well.;
|
06/30/2026
|
Client provided Income Calculation worksheet for both accounts. Client also Provided XXX reflecting Client used XXX% expense ratio. Income
Updated. LM Updated. Cleared.Income and Employment Meet Guidelines.
|
07/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
The loan file is missing the lender's income calculation worksheet. Other conditions may apply
|
Documentation received, XXX to review. Document Uploaded. See XXX income calculator;
|
06/30/2026
|
Client provided Income Calculator worksheet. LM Updated. Cleared.
|
07/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. The loan file is missing the initial underwriter's XXX Other conditions may apply.
|
Documentation received, XXX to review. Document Uploaded. See XXX;
|
06/30/2026
|
Approval/Underwriting Summary is fully present
|
07/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCOM1232
|
Credit
|
The Final 1003 is Missing
|
The Final 1003 is Missing. The loan file is missing the Final 1003.
|
Documentation received in XXX review. Document Uploaded. Please see XXX Final 1003;
|
06/30/2026
|
The Final 1003 is Present
|
07/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE3472
|
Credit
|
Overdraft/XXX Count Exceeds Tolerance
|
Overdraft/XXX count exceeds tolerance. Per XXX Expanded Guidelines Version XXX all bank Statements must meet XXX's policy on Non-Sufficient
Funds (XXX). No XXX occurrences in the most recent three months. The borrower's bank Statement with XXX XXX #XXX reflects an insufficient funds charge of XXX on XX/XX/XXXX. This account is XXX used for income calculation.
|
Please waive for grade B (not required for XXX) - Comp factors XXX% XXX% DTI, FICO XXX;
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, XXX% DTI,
FICO XXX
|
06/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE9500
|
Credit
|
Missing Letter of Explanation (Assets)
|
Per XXX Expanded Guidelines Version XXX XXX require an acceptable letter of explanation from the borrower to evaluate that they are not due
to financial mishandling and/or indicative of insufficient income. The borrower's bank Statement with XXX XXX #XXX reflects an insufficient funds charge of XXX on XX/XX/XXXX. This account is XXX used for income calculation. The loan file is
missing the required letter of explanation.
|
Please waive for grade B (not required for XXX) - Comp factors XXX% XXX% DTI, FICO XXX
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, XXX% DTI,
FICO XXX
|
06/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE6737
|
Credit
|
Missing Letter of Explanation (Income)
|
The following months reflect withdrawals greater than deposits for the following accounts used to calculate the borrowers income: XXX XXX
business checking #XXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXX XXX checking #XXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXX Expanded v12 Bank Statement Program considers this declining
cashflow/income. Missing letter of explanation for cashflow/income.
|
Please waive for grade B (not required for XXX) - Comp factors XXX% XXX% DTI, FICO XXX;
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% LTV, XXX% DTI,
FICO XXX
|
06/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050809
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Per XXX Expanded Guidelines Version XXX a Business Narrative for the bank Statement program is required. The form is to include the
following: Detailed explanation of the business/business profile, Where is business located and any XXX obligations (iemortgages/rent) , Number of employees, full time/part time or XXX, Does buisness involve sales of good or just services, Any
large trucks or materials or equipment, Any other details that would assist in the analysis of business to tie to expenses. The loan file contained the Narrative formhowever, the form does not include all the required information.
|
Please waive for grade B (not required for XXX) - Comp factors XXX% XXX% DTI, FICO XXX;
|
06/25/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Comp factors XXX%
XXX% DTI, FICO XXX
|
06/26/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054030
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409054583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
B
|
A
|
B
|
A
|
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
|
|
|
409054583
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Rescinded
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Transaction does not include PITIA for departure property. Per the XXX ; The Lender is choosing Option XXX indicating the Departure
Residence to be sold and not under contract. Per Guidelines, equity in the departure residence must be documented with a XXX exterior appraisal or full appraisal dated within x months of the subject transaction Note date; departure residence
must have a minimum of XXX% equity or must include the full payment in DTI.
|
Document Uploaded. XXX exterior appraisal for departing residence was located on pages XXX-XXX supporting payment exclusion. XXX;
|
06/26/2026
|
PITIA is documented in the loan file. XXX on the departure residence at XXX completed on XXX located XXX in original file. HELOC credit
limit per the credit report is XXX value is XXX which supports a minimum XXX% equity. Exception Rescinded.
|
06/26/2026
|
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
|
||
|
409054087
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/22/2026
|
Resolved
|
FCRE1157
|
Credit
|
Hazard Insurance Policy is Missing
|
Missing Hazard Insurance Policy. File contains a blank policy XXX. Lender to provide complete HOI policy to confirm premium and sufficient
coverage.
|
Documentation received, XXX to review. Document Uploaded.
|
06/24/2026
|
HOI provided and reviewed for XXX with sufficient coverage.Hazard Insurance Policy is fully present.
|
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
|
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
|
|
|
409056588
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Missing required lender QM designation Lender did not provide ATR/QM Status Determination.
|
Document Uploaded. XXX: QM Testing in Loan package. Please review XXX.;
|
06/25/2026
|
Compliance report added. Condition resolved.
|
06/25/2026
|
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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV 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
|
|
|
409055174
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409054407
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/24/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Lender approved exception for waiving escrow reserves account XXX months deposit of subject PITIA into escrow reserves account at close.
Final Closing Disclosure has Tax and HOI Escrows. Comp Factors Noted: Loan LTV is XXX%, FICO XXX a XXX% down payment, FICO XXX credit history and ability to manage debts responsibly, XXX Liquidity Post-Closing, Property Management Experience:
Clean Title & Property Condition, appraisal showing no deferred maintenance.
|
Exception for escrow: Comp Factors XXX months reserve FICO XXX LTV XXX%;
|
07/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX months reserve
FICO XXX LTV XXX%.Lender approved exception for waiving escrow reserves account XXX months deposit of subject PITIA into escrow reserves account at close. Final Closing Disclosure has Tax and HOI Escrows. Comp Factors Noted: Loan LTV is XXX%,
FICO XXX% down payment, FICO XXX credit history and ability to manage debts responsibly, XXX Liquidity Post-Closing, Property Management Experience: Clean Title & Property Condition, appraisal showing no deferred maintenance.
|
07/02/2026
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409053998
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/24/2026
|
Waived
|
FCRE1254
|
Credit
|
Property Title Issue
|
Property Title Issue. Note and Deed of Trust signed as borrower and as LLC. Does not conform to program guidelines as LLC is considered an
ineligible Borrower.
|
DD to waive for B Grade. Exceptions Approved. Comp Factors: XXX FICO ; No Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income
XXX mos PITIA reserves;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO ; No
Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income XXX mos PITIA reserves
|
06/26/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053998
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Lender utilized a XXX% expense factor for bank Statement program for XXX. While a XXX letter
was provided for justification, the minimum ratio for the XXX Bank Statement program v12 is XXX%
|
DD to waive for B Grade. Exceptions Approved. Comp Factors: XXX FICO ; No Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income
XXX mos PITIA reserves;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO ; No
Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income XXX mos PITIA reserves
|
06/26/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053998
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE8201
|
Credit
|
Loan does not conform to program guidelines
|
Loan closed with prepayment penalty. Loans with prepayment penalties are ineligible per XXX Expanded guidelines.
|
Document Uploaded. DD to waive for B Grade. Exceptions Approved. Comp Factors: XXX FICO ; No Mortgage Lates in XXX mos XXX% DTI XXX per
month residual Income XXX mos PITIA reserves;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO ; No
Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income XXX mos PITIA reserves
|
06/26/2026
|
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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053998
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing business narratives missing for XXX and XXX.
|
XXX: DD to waive for B Grade. Seller does not require per their guidelines for bank Statement alt doc. Reviewed on previous loans and fine
to proceed without. Comp Factors: XXX FICO ; No Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income XXX mos PITIA reserves;
|
06/26/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO ; No
Mortgage Lates in XXX mos XXX% DTI XXX per month residual Income XXX mos PITIA reserves
|
06/26/2026
|
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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053238
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE9785
|
Credit
|
XXX Contract is Incomplete
|
XXX is XXX but XXX Contract Doc is Incomplete. Missing Contract of Sale Addendum showing revised XXX price of $XXX.
|
Documentation received, XXX to review. Document Uploaded. See XXX change order/sales addendum with updated sale price of XXX
|
06/30/2026
|
XXX addendum provided and reviewed to confirm XXX price to $XXX Contract Doc is complete.
|
07/01/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
B
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053238
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative.
|
XXX request- Please waive for grade B (not required for CCM) - LTV- XXX% DTI XXX% XXX of primary;
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV- XXX% DTI XXX%
XXX of primary.
|
06/29/2026
|
Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less
than Guideline LTV of XXX% | 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053975
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053852
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/23/2026
|
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 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. Tolerance is due to increased Rent Schedule Fee from XXX to XXX on CD dated XX/XX/XXXX.
COC in file does not detail reason for increase.
|
Documentation received in XXX review. Document Uploaded.
|
06/29/2026
|
Valid COC provided exception resolved Valid COC provided exception resolved
|
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%
|
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
|
|
|
409053909
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing W-XXX for Business: The loan is a XXX. The W-XXX in the file is in the individual Borrower's name. The W-XXX in the Business name is
needed.
|
Documentation received, XXX to review. Document Uploaded.
|
06/30/2026
|
Documentation is sufficient. W-XXX provided. Exception resolved.
|
06/30/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409053102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/24/2026
|
Resolved
|
FCRE6737
|
Credit
|
Missing Letter of Explanation (Income)
|
The following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show withdrawals greater than deposits for business
checking account used for income qualification. XXX Expanded v12 Bank Statement Program considers this declining cashflow/income. Missing letter of explanation for cashflow/income.
|
Documentation received, XXX to review. Document Uploaded. Please see UW Summary and Income used for this loan.
|
07/01/2026
|
Client provided Bank Statement Income Calculator with a comment: For the above months of XXX & XXX of XXX and December, XXX and of XXX
; The worksheet shows that withdrawals exceed deposits for these months. Upon closer examination - those months show large amounts XXX to the business savings account. If these optional XXX to savings are excluded then deposits exceed
withdrawals for all months reviewed. LM Updated. Cleared.
|
07/02/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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
|
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
|
|
|
409053102
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/24/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
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The loan file was missing the lender's income calculation worksheet reflecting income of $XXX.
|
Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Client provided Bank Statement Income Calculator. LM Updated. Cleared.
|
07/02/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | 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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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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409052925
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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
|
06/25/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
Missing required lender income calculation
|
Documentation received, in XXX review. Document Uploaded.
|
06/30/2026
|
Lender Bank Statement income XXX was provided and reviewed
|
06/30/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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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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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B
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A
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409052925
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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
|
06/23/2026
|
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.
|
Documentation received, in XXX review. Document Uploaded.
|
06/29/2026
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Required Affiliated Business Disclosure Documentation Provided.
|
06/30/2026
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Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
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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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B
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A
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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A
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B
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D
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D
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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409053511
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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
|
06/24/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative for both Borrower X and Borrower X.
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Please waive for grade B (not required for XXX) - comp factors LTV XXX%, DTI- XXX% FICO XXX;
|
06/29/2026
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Risk accepted and waived. B grade risk accepted by authorizing party with the following compensating factors LTV XXX%, DTI- XXX% FICO XXX
|
06/29/2026
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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 XXX% is less
than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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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B
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D
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B
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D
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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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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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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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B
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A
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A
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409051733
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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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ATR/QM: Exempt
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Loan Review Complete
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409052409
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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
|
06/23/2026
|
Resolved
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. XXX-months bank Statement program however we have only XXX months business bank Statements
from XXX #XXX and remaining months bank Statements missing required Jan XX/XX/XXXX Bank Statements.
|
Documentation received in XXX review. Document Uploaded.
|
07/02/2026
|
Income and Employment Meet Guidelines.
|
07/06/2026
|
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
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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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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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A
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409051766
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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
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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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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409055717
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XXX
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XXXXX
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XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
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.
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Received and reviewed XXX mos bank Statements from XXX XX/XX/XXXX and XX/XX/XXXX supporting reserves requirement Audited Reserves of XXX are
equal to or greater than AUS Required Reserves of $XXX.
|
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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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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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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409055717
|
XXX
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XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE1164
|
Credit
|
Flood Insurance Policy Missing
|
Missing Flood Insurance Policy. Flood certification reflects Zone XXX however, per the First Payment Letter, no flood insurance premium was
collected
|
Documentation received, XXX to review. Document Uploaded. XXX please find the updated determination, elevation certificate and a survey to
show the location of the property that it is not located in the XXX.;
|
07/02/2026
|
Client provided Revised Flood Cert Reflecting XXX, Flood-Elevation Cert and Survey. LM Updated. Cleared.Flood Insurance Policy is fully
present.
|
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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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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|
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409055717
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary.
|
Documentation received, XXX to review. Document Uploaded. XXX uploaded;
|
07/02/2026
|
As per XXX ; The loan approval is an optional requirement Approval/Underwriting Summary is fully present Missing Approval/Underwriting
Summary.
|
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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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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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
|
|
|
409055717
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
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)
|
Document Uploaded. Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s)
|
07/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
C
|
A
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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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|
|
409055717
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/25/2026
|
Rescinded
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Escrow account required per XXX DSCR guidelines
|
Document Uploaded. XXX: DD Please review payment letter and settlement. Escrows collected and included in payment letter. Finding not
valid.;
|
06/29/2026
|
Client States: Please review payment letter and settlement. Escrows collected and included in payment letter. Verified. Cleared.
|
06/29/2026
|
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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||
|
409055717
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/23/2026
|
Resolved
|
FCRE5123
|
Credit
|
Missing Business Entity Formation Document
|
Missing required XXX for XXX
|
Document Uploaded. XXX: DD to review. XXX on W9 completed.;
|
06/29/2026
|
Client provided Executed Entity W-XXX. LM Updated. Cleared.
|
06/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
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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
|
|
|
409055166
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
|
||||||||||||
|
409052031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/24/2026
|
Resolved
|
FCRE1202
|
Credit
|
Third Party Fraud Report XXX Provided
|
Third Party Fraud Report XXX Provided. DD Fraud report reflects SSN XXX/current residence address of XXX which differs from the subject
property/current occupancy representation for his owner-occupied XXX. This finding is not reflected on the lender's fraud report. Please provide borrower LOE explaining the XXX address and whether they lived there previously lived there,
receive mail there, or have any ownership/occupancy connection.
|
The Property reports confirms Borrower has never lived at XXX as well as complete fraud report Document Uploaded. Documentation received,
XXX to review. Document Uploaded. PUSH BACK _ The borrower has never had any ownership in this property. I pulled a property profile Documentation received, XXX to review.;
|
07/07/2026
|
Third Party Fraud Report is fully present.Provided documentation does not address the SSN-XXX address discrepancy noted on the fraud /DD
report. Please provide documentation supporting the borrower's prior or current residence at the SSN-XXX address, or an explanation from the borrower with supporting evidence to reconcile the address variance.
|
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 | 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
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409051557
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/24/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Evidence of eConsent is provided.
|
07/02/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
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A
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A
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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
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A
|
A
|
A
|
|
|
409053244
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
|
A
|
||||||||||||
|
409051612
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/25/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
The borrower has been approved under DSCR XXX which require escrows accounts to be established for property taxes and HOI. The FCD shows no
escrow accounts established.
|
Document Uploaded. DD to waive for B Grade. Exception approved and locked with escrow waiver. Comp Factors: XXX mos PITIA reserves (Covers
XXX mos tax and insurance) ; XXX FICO XXX% LTV
|
06/29/2026
|
Risk accepted and waived. B grade risk accepted by authorizing party with the following compensating factors: XXX mos PITIA reserves (Covers
XXX mos tax and insurance) ; XXX FICO XXX% LTV
|
06/29/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409055375
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/25/2026
|
Resolved
|
FCRE4104
|
Credit
|
Missing explanation and supporting documentation for large deposit(s)
|
Per XXX v12, under the bank Statement program, large and unusual deposits must be XXX and addressed. The Underwriter Cover Letter reflected
the following XXX deposits were documentedhowever, the documentation was not provided. The XXX #XXX business account reflected large deposits of XXX on XX/XX/XXXX and XXX on XX/XX/XXXX. (NOTE: The large deposit of XXX on XX/XX/XXXX was backed
out and initial and audit review). Other conditions may apply.
|
Documentation received in XXX review. Document Uploaded.
|
07/01/2026
|
Client provided Settlement and Mutual Release Agreement Reflecting XXX and Invoice Reflecting XXX, XXX Acquisition Fee for XXX LM Updated.
Cleared.
|
07/01/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the
Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
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
|
|
|
409041142
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/24/2026
|
Rescinded
|
FCRE3978
|
Credit
|
Missing Letter of Explanation (Credit)
|
XXX New inquiry in the last XXX days. - No LOX/Credit Inquiry document provided for the new inquiries.
|
XXX DSCR guidelines do not require credit inquiry explanation-XXX Response from team, "Please advise reviewer thatXXX, XXX and XXX are our
inquires. Also the XXX and XXX inquiries are irrelevant because this is a DSCR loan and consumer debts are not considered at all. That is why the Credit Inquiry LOE requirement is not on the DSCR guidelines.";
|
07/06/2026
|
Client States: Response from team, "Please advise reviewer thatXXX, XXX and XXX are our inquires. Also the XXX and XXX inquiries are
irrelevant because this is a DSCR loan and consumer debts are not considered at all. That is why the Credit Inquiry LOE requirement is not on the DSCR guidelines." XXX States: XXX DSCR guidelines do not require credit inquiry explanation-XXX.
LM Updated. Cleared.
|
07/06/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409054543
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409049660
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/25/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Lender approved exception provided for borrower XXX less than XXX years. Borrower has been XXX
for XXX months. No compensating factors provided.
|
XXX response- Please clear item- comp factors - XXX Score, XXX month mortgage history shows borrower can support mortgage XXX million + with
$XXX payments. Excellent credit with credit reflecting ability to manage large debt.;
|
07/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp Factors: XXX Score, XXX month mortgage history shows
borrower can support mortgage XXX million + with $XXX payments. Excellent credit with credit reflecting ability to manage large debt. All are met.
|
07/02/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the
Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | 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
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/25/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow waiver is not permitted on this program. Borrower is required to establish an escrow account for property
taxes and insurance prior to closing.
|
Process exception XXX Exception granted Comp factors: Experienced XXX, Qualifying FICO XXX is greater than guideline min of XXX Low credit
utilization less than XXX% LTV less than XXX% Thank you XXX
|
06/29/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced XXX,
Qualifying FICO XXX is greater than guideline min of XXX Low credit utilization less than XXX% LTV less than XXX%
|
06/29/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053493
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/25/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing
proof of e-consent dated XX/XX/XXXX or before.
|
Documentation received, XXX to review. Document Uploaded.
|
07/01/2026
|
Evidence of eConsent is provided.
|
07/01/2026
|
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
|
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
|
|
|
409051080
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053898
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053867
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Resolved
|
FPRO3678
|
Property
|
Property Issue(s) are Present
|
One or more issues or defects with the property have been discovered. Appraisal occupancy is vacant on a XXX transaction, and there is no
indication that a lease is in place.
|
Documentation received in XXX review. Document Uploaded. Appraiser made a note that new tenant is due to move in May XXX on a XXX month
lease. Lease not in file.
|
07/02/2026
|
Client provided Lease Agreement for the Subject property reflecting a start date of XX/XX/XXXX. LM Updated. Cleared.The issue with the
property has been 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 LTV
is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|
|
409052906
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409057372
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409057376
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Resolved
|
FCRE1440
|
Credit
|
Housing History Does Not Meet Guideline Requirements
|
Housing History Does Not Meet Guideline Requirements. Per guidelines housing history of 0x30/XXX is required missing housing payment for
XX/XX/XXXX
|
Documentation received, XXX to review. Document Uploaded. Borrower lives rent free. If rent free - rent free letter required.
|
07/08/2026
|
Housing History Meets Guideline Requirements after receiving and reviewing LOE of rent free letter.
|
07/08/2026
|
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
|
B
|
A
|
A
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409057376
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Resolved
|
FPRO0947
|
Property
|
External Obsolescence Present
|
External obsolescence present. External obsolescence present in file. Per Appraisal property is located in a XXX. Flood insurance provided.
|
07/02/2026
|
External obsolescence meets guidelines.Flood insurance provided and similar comps used by appraiser. Finding is resolved.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
A
|
B
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
C
|
C
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409051808
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/25/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Per XXX DSCR Guidelines Verion XXX properties in a rural locations are ineligible. The property was
search in the XXX website which reflected the property was in a rural location.
|
Exception approved for rural designation: Comp factors FICO XXX DSCR XXX o mortgage lates.
|
06/30/2026
|
Exception approved for rural designation: Comp factors FICO XXX DSCR XXX mortgage lates.Property/Appraisal Meets Guidelines.
|
06/30/2026
|
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
|
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
|
|
|
409053107
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053497
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Waived
|
FCRE1437
|
Credit
|
Income and Employment Do Not Meet Guidelines
|
Income and Employment Do Not Meet Guidelines. Exception approved: Using XXX report where the rent comparables do not reflect zip codes.
Provide compensating factors.
|
XXX Granted exception. COMP FACTORS: • Experienced XXX • FICO >XXX points above min XXX • DSCR >XXX THank you, XXX;
|
06/30/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: • Experienced XXX •
FICO >XXX points above min XXX • DSCR >XXX.
|
06/30/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409051542
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052922
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage.
|
Document Uploaded.
|
07/01/2026
|
Client provided Evidence of Property Insurance Reflecting XXX in Loss of Use with Extra Expenses. LM Updated. Cleared.Rent Loss Coverage
Present.
|
07/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052922
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Waived
|
FCRE6100
|
Credit
|
Audited Interested Party Contribution Exceeds Guideline Program Maximum
|
Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Interested party contributions
exceed maximum allowed per guidelines. The file reflects a XXX seller credit on an investment property XXX. Maximum XXX allowed is XXX% of the XXX, or $XXX. XXX's exceed allowable limit by XXX
|
Exception Approved for XXX: Comp factors FICO XXX DSCR XXX no mortgage lates.;
|
07/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR XXX
no mortgage lates.
|
07/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052905
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409054614
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052325
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
File is missing required compliance report. Lender did not provide ATR/QM Status Determination.
|
Document Uploaded. Documentation received, XXX to review.; XXX was uploaded to your portal ion XX/XX/XXXX at XXX;
|
07/01/2026
|
Compliance report provided. Condition resolved.
|
07/01/2026
|
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
|
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
|
|
|
409053038
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Resolved
|
FCRE2109
|
Credit
|
Missing Lender Income Calculation Worksheet
|
Bank Statement Program, Missing lender calculation worksheet
|
Documentation received, XXX to review. Document Uploaded.
|
07/07/2026
|
After reviewed of lender's income calculation worksheet, accepted and approved.
|
07/07/2026
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053900
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053491
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/26/2026
|
Resolved
|
FCRE1169
|
Credit
|
Flood Insurance Effective Date is after the Disbursement Date
|
Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Flood Insurance Effective Date of XX/XX/XXXX is
after the Disbursement Date of XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded.
|
07/06/2026
|
Client provided Revised Flood Insurance Policy. LM Updated. Cleared.Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the
Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided.
|
07/07/2026
|
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
|
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
|
|
|
409051504
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE7347
|
Credit
|
Missing Lease Agreement
|
Documentation received in XXX review. Document Uploaded.
|
07/02/2026
|
Client provided Email stating: Good morning, the lease is in the file and has XXX. The XXX were also in the file for the subject address and
lease. The Address was XXX , it was an XXX. Bwr had it rezoned as an HPR and will be building another home on the other lot, the subject address is now XXX , but the lease was already in place as XXX . so that is why the lease in the file has
XXX . Client also provided Lease Agreement. LM Updated. Cleared.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
||
|
409052606
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Exception Approval (Page XXX) : Escrow Waiver approved by XXX for required Taxes/Insurance Impound Account.
|
DD to waive for B Grade. Exception Approved. Comp Factors: DSCR Over XX/XX/XXXX Experienced borrower FICO XXX;
|
07/01/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR Over
XX/XX/XXXX Experienced borrower FICO XXX
|
07/01/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052540
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE1468
|
Credit
|
Asset 2 Missing
|
Asset 2 Missing Missing final HUD XXX for sale of REO XXX borrower XXX
|
Documentation received, XXX to review. Document Uploaded.
|
07/02/2026
|
Client provided Settlement Statement for XXX Reflecting XXX Exchange Funds to XXX. LM Updated. Cleared.Asset 2 Provided Or XXX
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052540
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE7497
|
Credit
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
|
Missing verification of taxes, insurance, and/or HOA fees for non-subject property.
|
XXX: DD to advise why this is XXX requested on DSCR loan. Has no impact on qualifying and appears to need to be rescinded - Mortgage
Statements needed per guidelines to reconcile accounts with mortgages reported on XXX;
|
07/02/2026
|
XXX States: DD to advise why this is XXX requested on DSCR loan. Has no impact on qualifying and appears to need to be rescinded - Mortgage
Statements needed per guidelines to reconcile accounts with mortgages reported on XXX XXX account verified on XXX And XXX Owned by XXX XXX. Verified. LM Updated.
|
07/02/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409052540
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/26/2026
|
Resolved
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Documentation received, XXX to review. Document Uploaded. XXX may consider for exception. Advise if exception to be requested. Please note
there maybe impact to pricing.;
|
07/02/2026
|
Client provided US Department of Agriculture, Rural Development Initial Eligibility Determination reflecting the Subject is NOT located in
an eligible area. LM Updated. Cleared.Property/Appraisal Meets Guidelines.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052540
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE2009
|
Credit
|
Rent Loss Insurance Missing
|
Missing rent loss insurance coverage.
|
XXX: DD to review. Loss of Rents of XXX on XXX provided. This is XX/XX/XXXX mos rent loss. Finding to be rescinded.
|
07/02/2026
|
XXX States: DD to review. Loss of Rents of XXX on XXX provided. This is XX/XX/XXXX mos rent loss. Finding to be rescinded. Verified. LM
Updated. Rent Loss Coverage Present.
|
07/02/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409052540
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Document Uploaded. XXX: DD to waive for B Grade. Exception Approved. Comp Factors: FICO XXX DSCR XXX months reserves.;
|
07/02/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR XXX
months reserves.
|
07/02/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
D
|
D
|
C
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409047463
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Rescinded
|
FCRE1248
|
Credit
|
XXX is not considered to be an XXX Transaction
|
XXX is not considered to be an XXX Transaction. Non-Arm’s Length XXX is Eligible - Borrower is purchasing the subject property from landlord
that he is currently renting from. VOR on page XXX
|
Documentation received, XXX to review. Document Uploaded.
|
07/07/2026
|
The borrower and the landlord are not related nor nether party has ownership or financial control over the other which makes this an arms
length. XXX is considered to be an XXX Transaction, or XXX.
|
07/07/2026
|
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
|
||
|
409047463
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/28/2026
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Provide proof that the Affiliated Business
Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates.
|
Documentation received, XXX to review. Document Uploaded. Neighborhood loans is not affil;
|
07/01/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
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.
|
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
|
|
|
409047463
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM9186
|
Compliance
|
eSigned Documents Consent is Missing
|
The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the
file is missing proof of e-consent dated XX/XX/XXXX or before.
|
Documents uploaded for reviewDocument Uploaded.
|
07/01/2026
|
Evidence of eConsent is provided.
|
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.
|
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
|
|
|
409051470
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM5135
|
Compliance
|
Missing Required Affiliated Business Disclosure
|
Required Affiliated Business Disclosure Missing. Documentation required to clear exception- Provide proof that the Affiliated Business
Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates or made no referral of business to affiliates.
|
Documentation received, XXX to review. Document Uploaded.
|
07/06/2026
|
Required Affiliated Business Disclosure Documentation Provided.
|
07/06/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum -
Calculated CLTV of XXX% is less than Guideline CLTV 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
|
|
|
409051576
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE3978
|
Credit
|
Missing Letter of Explanation (Credit)
|
Missing signed letter of explanation for all inquiries within the most recent XXX days. Borrower has XXX inquiries from XX/XX/XXXX -
XX/XX/XXXX.
|
Documentation received, XXX to review. Document Uploaded. Inquiry Letter and Credit Supplement XXX with new debt uploaded for review;
|
07/02/2026
|
Client provided Executed Inquiry Letter and Credit Supplement Reflecting XXX. LM Updated. Cleared.
|
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 | 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
|
|
|
409054401
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409057136
|
XXX
|
XXXXX
|
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.
|
Escalated to DD - Variance Matches. XXX: DD to review approved FMHL Variance approved by XXX. XX/XX/XXXX mos PITIA reserves meets
requirement of XXX mos PITIA with loan amount over $XXX but less than $XXX?; ; Document Uploaded.
|
07/02/2026
|
Upon escalation request by client, the reserves requirement from the XXX have been met. The additional reserve requirement from the XXX
guideline was XXX. Condition rescinded.Upon escalation request by client, the reserves requirement from the XXX have been met. The additional reserves requirement from the XXX guideline was XXX. Condition resolved.Audited Reserves of XXX are
equal to or greater than AUS Required Reserves of $XXX.After reviewing the guidelines and the Final 1003, the reserves are met for the subject property. However, per XXX guidelines Additional XXX XXX months reserves PITIA for each property is
required based on the PITIA of the additional REO. The other REO properties at XXX monthly payment of $XXX(x2 g248 and XXX monthly payment of $XXX(x2) XXX has a shortage of -$XXX. Please provided additional assets to cover other REO reserve
shortage.
|
07/02/2026
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
||
|
409057136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
Waived
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Missing additional bank Statements for XXX #XXX, only XXX month provided.
|
XXX: DD to waive for B Grade. Fine to proceed as long as minimum XXX month Statement documented for assets used to qualify. Seller does not
obtain XXX months per their guide and discussed on previous loans with XXX team and fine to proceed with XXX month Statement pending update to variance. Comp Factors: XXX FICO XXX% DTI XXX per month residual income XX/XX/XXXX mos PITIA reserves
(Min XXX mos PITIA) ;
|
07/02/2026
|
Waived per client. client accepts risk for B grade and acknowledges the following com factors, XXX FICO XXX% DTI XXX per month residual
income XX/XX/XXXX mos PITIA reserves (Min XXX mos PITIA) all are met.
|
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%
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409057136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/29/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Provide a copy of Self employment Business narrative Form
|
XXX: DD to waive for B Grade.. Seller does not obtain per their guidelines and discussed on previous loans with XXX team and fine to proceed
without business narrative pending update to variance. Comp Factors: XXX FICO XXX% DTI XXX per month residual income XX/XX/XXXX mos PITIA reserves (Min XXX mos PITIA) ;
|
07/01/2026
|
Waived per client. client accepts risk for B grade and acknowledges the following com factors, XXX FICO XXX% DTI XXX per month residual
income XX/XX/XXXX mos PITIA reserves (Min XXX mos PITIA) all are met.
|
07/01/2026
|
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
|
B
|
D
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B
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D
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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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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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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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B
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A
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A
|
|
|
409053460
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
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||||||||||||
|
409054031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
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
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||||||||||||
|
409057032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. XXX not in ifle
|
XXX: Seller does not generate and unable to generate XXX - UW Summary XXX is what provided for DSCR LoansXXX Uploaded. ; ; ; Documentation
received, XXX to review. Document Uploaded.
|
07/02/2026
|
Approval/Underwriting Summary is fully presentDocument provided reflects Loan Application which is unacceptable. Provide
Approval/Underwriting Summary. XXX not in file.
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
B
|
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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B
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A
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D
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D
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B
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A
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D
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D
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B
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A
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D
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D
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B
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A
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D
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D
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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|
|
409057032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
07/02/2026
|
Rate lock provided. Condition resolved.
|
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
|
D
|
A
|
B
|
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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B
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A
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D
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D
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B
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A
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D
|
D
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B
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A
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D
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D
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B
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A
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D
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D
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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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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||
|
409057033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. XXX not in file
|
Documentation received, XXX to review. Document Uploaded.
|
07/06/2026
|
Approval/Underwriting Summary is fully present
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
D
|
A
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D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
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D
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D
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B
|
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
|
|
|
409057033
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
07/06/2026
|
Rate lock provided. Condition resolved.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
B
|
A
|
A
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A
|
D
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A
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D
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B
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A
|
D
|
D
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B
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A
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D
|
D
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B
|
A
|
D
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D
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B
|
A
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D
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D
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B
|
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
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||
|
409057031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/29/2026
|
Resolved
|
FCRE1182
|
Credit
|
Approval/Underwriting Summary Not Provided
|
Missing Approval/Underwriting Summary. XXX not in file
|
Documentation received, XXX to review. Document Uploaded.
|
07/06/2026
|
Client provided Underwriting Summary. LM Updated. Cleared.Approval/Underwriting Summary is fully present
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
B
|
A
|
D
|
D
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B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
D
|
D
|
B
|
A
|
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
|
A
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A
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A
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A
|
A
|
A
|
A
|
A
|
A
|
|
|
409057031
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
07/06/2026
|
Rate lock agreement provided. Condition resolved.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
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D
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B
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A
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D
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D
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B
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A
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D
|
D
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B
|
A
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D
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D
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B
|
A
|
D
|
D
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B
|
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
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||
|
409050679
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
06/30/2026
|
Waived
|
FVAL9739
|
Property
|
Property/Appraisal General
|
Property/Appraisal guideline violation: Property designated as rural per USDA Website. Per XXX guidelines, properties designated as rural
per USDA ineligible.
|
Document Uploaded. XXX: DD to waive for B Grade. Exception Approved. Comp Factors: XXX Property per Appraisal, Not a XXX areaXXX FICO ; No
Mortgage Lates in XXX mos; XXX DSCR; XXX Approved Exception - No Impact to Pricing. XXX may review for Exception. Please note there maybe impact to pricing.;
|
07/07/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Property per
Appraisal, Not a CFPB Rural Area XXX FICO ; No Mortgage Lates in XXX mos XXX DSCR.
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
D
|
A
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
|
409050679
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM1477
|
Compliance
|
Missing evidence of rate lock
|
Document Uploaded.
|
07/06/2026
|
Rate lock provided. Condition resolved.
|
07/06/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
A
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
||
|
409050679
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/01/2026
|
Rescinded
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
XXX: DD to review. Escrows shown on payment letter and review settlement Statement section XXX Reserves Deposited with Lender;
|
07/06/2026
|
XXX States: XXX: DD to review. Escrows shown on payment letter and review settlement Statement section XXX Reserves Deposited with Lender.
Verified. Cleared.
|
07/06/2026
|
D
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
D
|
A
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
D
|
A
|
C
|
D
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|||
|
409053995
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM1233
|
Credit
|
The Final 1003 is Incomplete
|
The Final 1003 is Incomplete. Final 1003 reflects business name of "XXX", however the P&L, XXX letter andXXX XXX provided discloses
business name of "XXX". Provide updated documentation correcting the business name.
|
Document Uploaded. 1003 Corrected Documentation received, XXX to review.;
|
07/07/2026
|
The Final 1003 business name updated to reflect XXX. as required is acceptable The Final 1003 is Present
|
07/08/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409052383
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCRE1325
|
Credit
|
Borrower 1 XXX Letter Missing
|
Borrower 1 XXX Letter Missing. XXX Expanded v12 guidelines for the P&L income program require copy of current/active XXX or
certification for third party preparing the P&L. Missing copy of current/active XXX or certification for XXX .
|
Documentation received, XXX to review. Document Uploaded. State XXX verification;
|
07/07/2026
|
XXX Active XXX provided and reviewed is acceptable per the XXX Borrower 1 XXX Letter Provided.
|
07/08/2026
|
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 XXX% is less than Guideline
CLTV of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409053990
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
06/30/2026
|
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. Per the executed
Acknowledgement of Receipt of Written Appraisal Report in file, the borrowers received a copy of the appraisal report on XX/XX/XXXX, which is the consummation date. Provide appraisal waiver signed by borrowers showing they waived their right to
receive the appraisal greater than XXX days prior to consummation or provide proof appraisal was provided to borrowers at least XXX days prior to consummation.
|
Documentation received, XXX to review.Proof that the appraisal was sent to the borrower on XX/XX/XXXX was provided in the initial loan
documentation page XXX with the Documents tab, the presumed receipt date is XX/XX/XXXX, the loan did not close until XX/XX/XXXX, ECOA delivery requirements were met.;
|
07/06/2026
|
Evidence of appraisal delivery provided.
|
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 XXX% is less than Guideline CLTV of XXX% | Original LTV is Below the Guideline Maximum -
Calculated LTV of XXX% is less than Guideline LTV 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
|
|
|
409054385
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
FCOM2137
|
Compliance
|
Lender did not provide ATR/QM Status Determination
|
Lender did not provide ATR/QM status determination. Lender did not provide ATR/QM Status Determination.
|
Documentation received, XXX to review. Document Uploaded.
|
07/07/2026
|
Compliance report provided. Condition resolved.
|
07/07/2026
|
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.
|
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
|
|
|
409053032
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409052402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE1342
|
Credit
|
Borrower 1 Business Bank Statements Missing
|
Borrower 1 Business Bank Statements Missing. Please provide XXX months Business bank Statement for XXX #XXX
|
Documentation received, XXX to review. Document Uploaded. XXX bank Statements uploaded for review.;
|
07/08/2026
|
Client provided XXX Months XXX account #XXX Statements. Income Worksheet Updated. LM Updated. Cleared.Borrower 1 Business Bank Statements
Provided.
|
07/08/2026
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE3653
|
Credit
|
Missing letter of explanation
|
As per XXX guideline Departure Residence Signed letter of intent from borrower indicating they intend to rent the departure residence within
XXX XXX days of closing on the subject transaction.
|
Documentation received, XXX to review. Document Uploaded. LOE uploaded for review.
|
07/07/2026
|
LOE provided and reviewed for intent to rent departing residence within XXX days is acceptable
|
07/08/2026
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE1372
|
Credit
|
Borrower 2 Business Bank Statements Missing
|
Borrower 2 Business Bank Statements Missing. Please provide XXX months Business bank Statement for XXX #XXX
|
Documentation received, XXX to review.; XXX bank Statements uploaded to trailing docs for review.;
|
07/06/2026
|
Client provided XXX Months XXX account #XXX Statements. Income Worksheet Updated. LM Updated. Cleared.Borrower 2 Business Bank Statements
Provided or XXX (Number of Borrowers equals XXX).
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409052402
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
06/30/2026
|
Resolved
|
FCRE1470
|
Credit
|
Asset 4 Missing
|
Asset 4 Missing. Provide XXX moths bank Statement for XXX Bank #XXX A/c XXX?; ; Document was missing in File
|
Documentation received, XXX to review.; XXX bank Statements uploaded to trailing docs for review.;
|
07/06/2026
|
Asset 4 Provided Or XXX Client provided XXX Months XXX account #XXX Statements. Income Worksheet Updated. LM Updated. Cleared.
|
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
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
|
409053832
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409055709
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053362
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409056099
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/01/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Per XXX DSCR guidelines, escrow account required. Per First Payment Letter, no escrow account established at closing.
|
Exception approved for escrow waiverComp factor DSCR XXX FICO XXX
|
07/07/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp factor DSCR XXX FICO XXX all are met.
|
07/07/2026
|
Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV 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 XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409052397
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409056364
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/02/2026
|
Waived
|
FCRE1491
|
Credit
|
Asset Qualification Does Not Meet Guideline Requirements
|
Asset Qualification Does Not Meet Guideline Requirements. Only one month of bank Statement provided for XXX Bank account XXX dated
XX/XX/XXXX.
|
XXX: DD to waive for B Grade. Seller Guidelines do not require XXX months. Reviewed with XXX Team on previous loan and fine to proceed as
long as minimum XXX month asset Statements documented for assets used to qualify. Comp Factors: XXX FICO XXX mos PITIA reserves XXX DSCR;
|
07/07/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following Comp factors: XXX FICO XXX mos PITIA reserves XXX DSCR
|
07/07/2026
|
Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
C
|
C
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054005
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409056109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
Non-QM: Lender documented all ATR UW factors
|
Loan Review Complete
|
07/01/2026
|
Resolved
|
finding-4040
|
Compliance
|
Qualified Mortgage APR Threshold Test
|
This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e) (2) (vi) ) A qualified mortgage is a covered transaction
which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date
the rate was set plus XXX% orThe note amount for a first lien on a manufactured home is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%
orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus
XXX%orThe note amount for a second lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX% orThe note amount on a first
lien a non-manufactured home or a second lien is less than ($XXX) , and its APR calculated per the requirements of 12 CFR §1026.43(e) (2) (vi) is less than the APOR on the date the rate was set plus XXX%. Non QM loan allowed per XXX Expanded
v12 guidelines for rate spread. Finding is provided for information only.
|
07/06/2026
|
Non QM loan allowed per XXX Expanded v12 guidelines for rate spread. Finding is provided for information only.
|
07/06/2026
|
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
|
||
|
409054100
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409056108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
07/02/2026
|
Waived
|
FCRE2393
|
Credit
|
Missing an established escrow impound account for taxes and insurance.
|
Exception Approved for Waiving Escrows - Missing Escrow Impound Account for Taxes and Insurance (Page XXX). Per XXX DSCR guidelines, escrow
account required.
|
Exception Approved for Waiving Escrows • FICO XXX • LTV = XXX
|
07/08/2026
|
Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX LTV = XXX%
|
07/08/2026
|
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 XXX% is less than Guideline LTV of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%
|
D
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409053189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409054711
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/06/2026
|
Waived
|
FCRE1304
|
Credit
|
Income 1 Income Trend is Decreasing
|
Income X Income Trend is Decreasing. The following months XXX/XXX, XXX/XXX, XXX/XXX, XXX/XXX, XX/XX/XXXX and XX/XX/XXXX show withdrawals
greater than deposits for borrower's business checking account used for income qualification. XXX Expanded XXX Bank Statement Program considers this declining cashflow/income. Missing letter of explanation for cashflow/income.
|
Please waive for Grade B- LTV XXX%, DTI XXX% FICO XXX.;
|
07/08/2026
|
Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DTI XXX%
FICO XXX
|
07/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409054711
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
07/02/2026
|
Waived
|
FCRE8506
|
Credit
|
Application Profile Missing
|
Missing Business Narrative required for the XXX Expanded XXX Bank Statement Program.
|
Please waive for Grade B- LTV XXX%, DTI XXX% FICO XXX
|
07/08/2026
|
Waived per Client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XXX%, DTI XXX%
FICO XXX
|
07/08/2026
|
Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV 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 XXX% is less than Guideline LTV 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
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
|
|
409050714
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
QM: Safe Harbor APOR (APOR SH)
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409054091
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409053047
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM: Exempt
|
Loan Review Complete
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||||
|
409045109
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/03/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/03/2026
|
03/03/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045067
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/02/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/02/2026
|
03/02/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/02/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/02/2026
|
03/02/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045073
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/02/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/02/2026
|
03/02/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045169
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/03/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/03/2026
|
03/03/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045170
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/03/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/03/2026
|
03/03/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045076
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/03/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/03/2026
|
03/03/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045068
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/03/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/03/2026
|
03/03/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045059
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/10/2026
|
Resolved
|
11473031741
|
Property
|
Hazard Insurance Missing or Defective
|
Hazard insurance policy in file does not include expiration date. Please provide updated hazard policy including full coverage period
|
XXX/XXX: Please see the XXX XXX with full policy effective dates.
|
03/18/2026
|
XXX: Received
|
03/18/2026
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
C
|
N/A
|
C
|
A
|
C
|
N/A
|
C
|
A
|
C
|
N/A
|
C
|
A
|
C
|
N/A
|
C
|
A
|
C
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
11487410080
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing Articles of Incorporation for the borrowing entity: XXX
|
XXX/XXX: We provided an operating agreement for XXX and an amendment which shows that XXX is the new name of XXX Please review the XXX?; ;
Documentation.
|
03/18/2026
|
XXX: Received
|
03/18/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
11487418757
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing Operating Agreement for: XXX
|
XXX/XXX: We provided an operating agreement for XXX and an amendment which shows that XXX is the new name of XXX Please review the XXX?; ;
Documentation.
|
03/18/2026
|
XXX: Received
|
03/18/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045058
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/10/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/10/2026
|
03/10/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045140
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045178
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045189
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045095
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
11487575617
|
Property
|
Subject Property Lease - Missing or Defective
|
Missing XXX months rent receipts for all three units of XXX. Please provide rent receipts to qualify use of higher lease rents.
|
XXX/XXX: Please see the XXX breakdown of income per unit totaling XXX that matches the lease agreements that were provided with the original
loan images.
|
03/11/2026
|
XXX: Received
|
03/11/2026
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045123
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045086
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045181
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045074
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045081
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045089
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/11/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/11/2026
|
03/11/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045071
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/16/2026
|
Resolved
|
11520980771
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing operating agreement for borrowing entity : XXX
|
Please see XXX.
|
03/20/2026
|
XXX: Received
|
03/20/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045143
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
11532592599
|
Credit
|
Title Insurance Missing or Defective
|
Missing final title policy or commitment for subject property: XXX
|
XXX/XXX: Please see the XXX title commitment
|
03/20/2026
|
XXX: Received
|
03/20/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/17/2026
|
03/17/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045063
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/16/2026
|
03/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045082
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/16/2026
|
03/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045083
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/16/2026
|
03/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045116
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
11530165913
|
Property
|
Market Rent - Missing or Defective
|
Missing market rent XXX or lease agreement for subject property: XXX
|
XXX/XXX: Please see the lease XXX
|
03/20/2026
|
XXX: Received
|
03/20/2026
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409045117
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/17/2026
|
03/17/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045134
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/17/2026
|
03/17/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045104
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/17/2026
|
03/17/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409045138
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/17/2026
|
03/17/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049216
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/17/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/18/2026
|
03/18/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049133
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
11610249109
|
Property
|
Completion Report or 1004D - Missing
|
Missing 1004D or inspection report for property Located at : XXX
|
XXX/XXX: The repair estimate is verification that the repairs were complete, no completion report is required by our guidelines.
|
03/30/2026
|
XXX: Received
|
03/30/2026
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049128
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/25/2026
|
Resolved
|
11588228994
|
Property
|
Completion Report or 1004D - Missing
|
Missing inspection report or 1004D for roof of subject Property: XXX
|
XXX/XXX: XXX is where an inspector went to the home and satisfied the appraisal requirement
|
03/27/2026
|
XXX: Received
|
03/27/2026
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049108
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/24/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/24/2026
|
03/24/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049111
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/24/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/24/2026
|
03/24/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049126
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/24/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/24/2026
|
03/24/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049130
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/24/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/24/2026
|
03/24/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049139
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/25/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/25/2026
|
03/25/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049145
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/25/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/25/2026
|
03/25/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049164
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/26/2026
|
03/26/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049202
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/26/2026
|
03/26/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049179
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/26/2026
|
03/26/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049191
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/26/2026
|
03/26/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049192
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
11655566102
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing Articles of Incorporation for entity : XXX
|
see XXX articles of incorporation
|
04/03/2026
|
XXX: Received
|
04/03/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049144
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/30/2026
|
Resolved
|
11633612665
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing Articles of Incorporation for borrower entity : XXX
|
Please escalate for this to be cleared as the Articles of Incorporation is not required. XXX is the XXX Resolution and print
|
04/02/2026
|
XXX: Received
|
04/02/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049177
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
11654495729
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing Articles Of Organization for : XXX
|
XXX/XXX: Please see the XXX articles of incorporation. XXX/XXX:. Please see the XXX business documentation confirming the borrowers have
XXX/XXX ownership of the business. XXX/XXX: Please see the XXX?; ; Documentation.
|
04/10/2026
|
XXX: Received XXX: Provided trailing doc is the operating agreement. Finding is in regard to a missing articles of incorporation XXX:
Provided trailing doc is the company resolution.
|
04/10/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049121
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/30/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/30/2026
|
03/30/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049122
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/30/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/30/2026
|
03/30/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049129
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/30/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/30/2026
|
03/30/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049135
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/30/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/30/2026
|
03/30/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049136
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/26/2026
|
03/26/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049194
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/26/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/26/2026
|
03/26/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049171
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/31/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/31/2026
|
03/31/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049161
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
03/31/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
03/31/2026
|
03/31/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049230
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
11655183125
|
Credit
|
Subject Property Lease - Missing or Defective
|
Missing proof of rent received
|
XXX/XXX: Please see the XXX returns to confirm history of rental income receipt for the subject property. Also XXX is confirmation of the
rent deposit and the full Statement.
|
04/16/2026
|
XXX: Received XXX: Per guidelines, a fully executed lease with XXX months history and XXX month proof of rent received is required on Long
Term Rental XXX transactions.
|
04/16/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049180
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/01/2026
|
04/01/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049193
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/01/2026
|
04/01/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049196
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
11656991007
|
Credit
|
Asset Documentation Missing or Defective
|
Missing Operating Agreement(S) for XXX to prove access to assets
|
04/01/2026
|
04/01/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049211
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/01/2026
|
04/01/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049190
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/01/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/01/2026
|
04/01/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049153
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/07/2026
|
04/07/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049157
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
11693795310
|
Credit
|
Closing Protection Letter Missing or Defective
|
Missing Closing Protection Letter (CPL)
|
XXX/XXX: Please see the XXX
|
04/16/2026
|
XXX: Received
|
04/16/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049162
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
11694094655
|
Property
|
Completion Report or 1004D - Missing
|
Missing 1004D for subject property: XXX
|
XXX/XXX: Please see the XXX repair attestation confirming the repairs were completed.
|
04/09/2026
|
XXX: Received
|
04/09/2026
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049183
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/07/2026
|
04/07/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049229
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
11700471882
|
Property
|
Market Rent - Missing or Defective
|
Missing market rent XXX or lease agreement for subject property: XXX XXX
|
XXX/XXX: XXX
|
04/09/2026
|
XXX: Received
|
04/09/2026
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049148
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
11693665103
|
Credit
|
Title Insurance Missing or Defective
|
Missing title insurance policy for subject property: XXX.
|
XXX/XXX: Please see the XXX title commitment.
|
04/09/2026
|
XXX: Received
|
04/09/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049235
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
11705971187
|
Credit
|
Entity Documentation - Missing or Defective
|
Missing Articles of Organization for : XXX
|
XXX/XXX: Please see the XXX articles or incorporation.
|
04/09/2026
|
XXX: Received
|
04/09/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049208
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
11695401332
|
Credit
|
Hazard Insurance Missing or Defective
|
Missing Hazard insurance policy.
|
XXX/XXX: Please see the declarations page XXX
|
04/16/2026
|
XXX: Received
|
04/16/2026
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
D
|
D
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049201
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
11704475219
|
Credit
|
Insufficient Assets for Reserves
|
XXX verified liquidity < XXX minimum liquidity required for closing costs and reserves. Missing documentation to verify proceeds of sale
reflected on 1003.
|
XXX/XXX: Please see the XXX final closing disclosure for the cash out from transaction on XXX.
|
04/09/2026
|
XXX: Received
|
04/09/2026
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
C
|
A
|
N/A
|
C
|
C
|
A
|
N/A
|
C
|
C
|
A
|
N/A
|
C
|
C
|
A
|
N/A
|
C
|
C
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||
|
409049110
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/06/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/06/2026
|
04/06/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049182
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/07/2026
|
04/07/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049226
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/07/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/07/2026
|
04/07/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049103
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/08/2026
|
04/08/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049206
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/08/2026
|
04/08/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049232
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/08/2026
|
04/08/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049152
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/08/2026
|
04/08/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049233
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/08/2026
|
Resolved
|
XXX
|
Credit
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/08/2026
|
04/08/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049097
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/14/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/14/2026
|
04/14/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049159
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/15/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/15/2026
|
04/15/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049198
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/15/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/15/2026
|
04/15/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049200
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/15/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/15/2026
|
04/15/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049214
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/16/2026
|
04/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049224
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/16/2026
|
04/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049225
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines.
|
04/16/2026
|
04/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049185
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines.
|
04/16/2026
|
04/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049197
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/16/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines.
|
04/16/2026
|
04/16/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||
|
409049210
|
XXX
|
XXXXX
|
XX/XX/XXXX
|
$XXXXXX
|
XXX
|
ATR/QM Exempt
|
Cleared
|
04/15/2026
|
Resolved
|
XXX
|
No Findings
|
No Credit Findings
|
The loan meets all applicable guidelines
|
04/15/2026
|
04/15/2026
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
A
|
A
|
A
|
N/A
|
||||