|
ALT ID
|
Seller
|
Loan ID
|
Seller Loan ID
|
Investor Loan ID
|
Queue
|
Created Date
|
Last Modified Date
|
Finding Status
|
Event Level
|
Finding Category
|
Finding Sub Category
|
Finding Name
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Reviewer Comments
|
Seller Comments
|
Finding Resolution
|
Finding Document
|
Reviewer Comp Factors
|
Originator Comp Factors
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State
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Occupancy
|
Loan Purpose
|
Refinance Purpose
|
Unique Finding ID
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Acknowledged / Waived By
|
Waiver in File?
|
|
409055268
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 12:14
|
2026-05-28 08:32
|
Resolved
|
1 - Information
|
Credit
|
Income/Employment
|
Residual Income does not meet guideline minimum
|
Resolved-2 months bank statements in file. Income re-calculated. Resolved - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Buyer-05/27/2026
Open-Residual Income is $XX.XX which is less than the guideline minimum of $3,700 for 5 person household, due to the income calculation.
Lender included transfers from XXX checking #XXXX on multiple bank statements in their income calculation. The bank statements for #XXXX were not provided to evidence all the transferred funds. Therefore, audit excluded these transfers and
income decreased from $X,XXX per month to $X,XXX.XX per month. Provide 12-month's statements for #XXXX for re-consideration and recalculation. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/22/2026
|
Resolved-2 months bank statements in file. Income re-calculated. Resolved - Due Diligence Vendor-05/28/2026
|
DISPUTE.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055268
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 12:07
|
2026-05-28 08:32
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements
|
Resolved-2 months bank statements in file. Income re-calculated. Resolved - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Buyer-05/27/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender included transfers from XXX
checking #XXXX on multiple bank statements in their income calculation. The bank statements for #XXXX were not provided to evidence all the transferred funds. Therefore, audit excluded these transfers and income decreased from $X,XXX per
month to $X,XXX.XX per month. Provide 12-month's statements for #XXXX for re-consideration and recalculation. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/22/2026
|
Resolved-2 months bank statements in file. Income re-calculated. Resolved - Due Diligence Vendor-05/28/2026
|
DISPUTE.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055268
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 12:22
|
2026-05-28 08:32
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Resolved-2 months bank statements in file. Income re-calculated. Resolved - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Buyer-05/27/2026
Open-Audited DTI of 97.19% exceeds Guideline DTI of 50% Lender included transfers from XXX checking #XXXX on multiple bank statements in
their income calculation. The bank statements for #XXXX were not provided to evidence all the transferred funds. Therefore, audit excluded these transfers and income decreased from $X,XXX per month to $X,XXX.XX per month. Provide 12-month's
statements for #XXXX for re-consideration and recalculation. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/21/2026
|
Resolved-2 months bank statements in file. Income re-calculated. Resolved - Due Diligence Vendor-05/28/2026
|
DISPUTE.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055292
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 14:43
|
2026-05-29 09:09
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/26/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
XXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Debt Consolidation
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055292
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 09:13
|
2026-05-29 09:09
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved- - Due Diligence Vendor-05/29/2026
Ready for Review-Guild does not send the borrower clerical revisions on the Appraisal. - Buyer-05/28/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Debt Consolidation
|
XXXXX
|
N/A
|
N/A
|
|||||||
|
409055244
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 10:09
|
2026-05-22 10:09
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/22/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/22/2026
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 08:30
|
2026-06-01 13:37
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Missing Doc
|
Required Documentation is Missing
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Missing evidence of 3 months payment on an investment property. A lender exception is present in the loan file, dated prior to
consummation, providing adequate
comp factors. - Due Diligence Vendor-05/11/2026
|
Waived-Missing evidence of 3 months payment on an investment property. A lender exception is present in the loan file, dated prior to
consummation, providing adequate
comp factors. - Due Diligence Vendor-05/11/2026
|
Excellent housing history.
FICO +20 above min.
Prior landlord history.
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 08:06
|
2026-06-01 13:37
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Assets
|
Audited Reserves are less than Guideline Required Reserves (Dollar Amount)
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Audited Assets of $XXXXX.XX are less than Guideline Required Assets of $66831.44. Exception for rental property not having 3 full
months of rent receipt and waiving
the additional reserve requirement for departure residence of 3 months only, A lender exception is present in the loan file, dated prior
to consummation, providing adequate comp factors.
- Due Diligence Vendor-05/26/2026
Ready for Review-Please review pages 778 - 780 of the shipped loan package for the security deposit documentation. - Buyer-05/22/2026
Counter-Received lender exception for lack of full 3 month payments on investment property/waiving the 3 months additional PITIA on
departure residence. Exception requires proof of 1st month rent and security deposit. First month's rent documented in file, please provide proof of security deposit. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/21/2026
Counter-Lender provided explanation in regard to the reserves are not being counted towards the departing property for 2 months. The
loan profile is as follows: FICO 758, loan amount $XXX,XXX, and LTV 85%, which matches the information in the loan file. No exception
received for the reserves. Sorry for conclusion.
Exception received Lacks full 3 months of payments on investment property (Property was previously rented and has new tenant as evidence
of security deposit and first month's rent payment), which has the compensating factors. - FICO 758, loan amount $XXX,XXX, and LTV 85%. We need the Lender approval exception for departing property reserves with compensating factors.
Condition Remains - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached Processor Cert. Thank you. - Seller-05/14/2026
Open-Audited Assets of $XXXXX.XX are less than Guideline Required Assets of $66831.44. - Due Diligence Vendor-05/11/2026
|
Ready for Review-Document Uploaded. Please see the attached Processor Cert. Thank you. - Seller-05/14/2026
|
Waived-Audited Assets of $XXXXX.XX are less than Guideline Required Assets of $66831.44. Exception for rental property not having 3 full
months of rent receipt and waiving
the additional reserve requirement for departure residence of 3 months only, A lender exception is present in the loan file, dated prior
to consummation, providing adequate comp factors.
- Due Diligence Vendor-05/26/2026
|
XXXXXXXXXX Processor Cert.pdf
XXXXXXXXXX Exception Approval.pdf
|
evidence of security deposit and first month's rent receipt into
borrowers account on page 762
Max Loan Amount: 905,250.00
Max LTV/CLTV/HCLTV: 85 / 85 / 85
Min Credit Score: 758
Max DTI/Min DCSR: 47.987
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 14:00
|
2026-06-01 13:37
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Assets
|
Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-
Exception for rental property not having 3 full months of rent receipt and waiving the additional reserve requirement for departure
residence of 3 months only, A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.
- Due Diligence Vendor-05/26/2026
Ready for Review-Please review pages 778 - 780 of the shipped loan package for the security deposit documentation. - Buyer-05/22/2026
Counter-Received lender exception for lack of full 3 month payments on investment property/waiving the 3 months additional PITIA on
departure residence. Exception requires proof of 1st month rent and security deposit. First month's rent documented in file, please provide proof of security deposit. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/21/2026
Counter-Lender provided explanation in regard to the reserves are not being counted towards the departing property for 2 months. The
loan profile is as follows: FICO 758, loan amount $XXX,XXX, and LTV 85%, which matches the information in the loan file. No exception
received for the reserves. Sorry for conclusion.
Exception received Lacks full 3 months of payments on investment property (Property was previously rented and has new tenant as evidence
of security deposit and first month's rent payment), which has the compensating factors. - FICO 758, loan amount $XXX,XXX0, and LTV 85%. We need the Lender approval exception for departing property reserves with compensating factors.
Condition Remains - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached Processor Cert. Thank you. - Buyer-05/14/2026
Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $94973.62 Lender exception
located in the file pg 353 for reserves on investment properties that did not meet guidelines. - Due Diligence Vendor-05/08/2026
|
Waived-
Exception for rental property not having 3 full months of rent receipt and waiving the additional reserve requirement for departure
residence of 3 months only, A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors.
- Due Diligence Vendor-05/26/2026
|
XXXXXXXXXX Processor Cert 2.pdf
XXXXXXXXXX Exception Approval.pdf
|
evidence of security deposit and first month's rent receipt into
borrowers account on page 762
Max Loan Amount: 905,250.00 vs Max 1500K
Max LTV/CLTV/HCLTV: 85 / 85 / 85
Min Credit Score: 758 vs max 680
Max DTI/Min DCSR: 47.987 vs 47.43
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 09:26
|
2026-05-12 09:56
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Mortgage/Deed of Trust - Not Recorded
|
Resolved-Lender provided Recorded copy of Deed of Trust, condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached Recorded Security Instrument. Thank you. - Seller-05/12/2026
Open-Missing evidence of Mortgage recording There is no recording fee charged on the Final CD - Due Diligence Vendor-05/08/2026
|
Ready for Review-Document Uploaded. Please see the attached Recorded Security Instrument. Thank you. - Seller-05/12/2026
|
Resolved-Lender provided Recorded copy of Deed of Trust, condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-05/12/2026
|
XXXXX XXXXX Security Instrument Recorded.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 09:34
|
2026-05-12 09:30
|
Resolved
|
1 - Information
|
Credit
|
Closing
|
Borrower 1 Photo ID is expired
|
Resolved-Lender provided printout from the state of XX stating individuals can renew their license up to 6 months after expiration. Added
6 months to driver license date per updated. Condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached printout from the state of XX stating individuals can renew their license up
to 6 months after expiration. Thank you. - Buyer-05/11/2026
Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-05/08/2026
|
Resolved-Lender provided printout from the state of XX stating individuals can renew their license up to 6 months after expiration. Added
6 months to driver license date per updated. Condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-05/12/2026
|
XXXXX XXXXX DL Grace Period 6 mo.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 13:01
|
2026-05-12 09:29
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/11/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/08/2026
|
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/11/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
|
XXXXXXXXXX Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 14:01
|
2026-05-12 09:28
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Insufficient Change of Circumstance (50001252)
|
Resolved-Lender provided COC to shows the change in discount points. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Resolved - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached COC issued XX/XX/XXXX. Thank you. - Seller-05/11/2026
Open- - Due Diligence Vendor-05/08/2026
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within
each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a
new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing the Change of Circumstance for the increased discount points on the Final CD - Due Diligence Vendor-05/08/2026
Open- - Due Diligence Vendor-05/08/2026
|
Ready for Review-Document Uploaded. Please see the attached COC issued XX/XX/XXXX. Thank you. - Seller-05/11/2026
|
Resolved-Lender provided COC to shows the change in discount points. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Resolved - Due Diligence Vendor-05/12/2026
|
XXXXXX CoC XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055245
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 14:01
|
2026-05-12 09:28
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Charges That Cannot Increase Test (50001251)
|
Resolved-Lender provided COC to shows the change in discount points. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Resolved - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached COC issued XX/XX/XXXX. Thank you. - Buyer-05/11/2026
Open- - Due Diligence Vendor-05/08/2026
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to
the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee
that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Missing the Change of Circumstance for the increased discount points on the Final CD - Due Diligence Vendor-05/08/2026
Open- - Due Diligence Vendor-05/08/2026
|
Resolved-Lender provided COC to shows the change in discount points. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Resolved - Due Diligence Vendor-05/12/2026
|
XXXXXXXXXX CoC XX/XX/XXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055298
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 14:16
|
2026-06-15 09:56
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-05/29/2026
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
||||||
|
409055298
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-06-01 08:39
|
2026-06-01 08:39
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-06/01/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-06/01/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055214
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-27 10:44
|
2026-06-01 13:39
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Housing History Does Not Meet Guideline Requirements
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Housing History Does Not Meet Guideline Requirements Guidelines require 12 or 24 month housing history. Borrower has only 4 months.
A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-05/27/2026
|
Waived-Housing History Does Not Meet Guideline Requirements Guidelines require 12 or 24 month housing history. Borrower has only 4 months.
A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-05/27/2026
|
Reserves, 5+ years of employment history, FICO 20+ above min required.
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055214
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 13:11
|
2026-05-30 17:37
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: AfBA Disclosure is Missing
|
Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-05/30/2026
Ready for Review-Document Uploaded. LOE REGARDING AFFILIATED BUSINESS ARRANGEMENT - Buyer-05/29/2026
Open-RESPA: AfBA Disclosure is Missing or Incomplete ok - Due Diligence Vendor-05/29/2026
Open-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/26/2026
|
Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-05/30/2026
|
XXX-XXXXXXX XXXXX- LOE REGARDING AFFILIATED BUSINESS ARRANGEMENT.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055214
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 13:11
|
2026-05-30 17:37
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. IEADS - Seller-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/26/2026
|
Ready for Review-Document Uploaded. IEADS - Seller-05/28/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
XXX-XXXXXXX XXXXX- Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055214
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-27 08:00
|
2026-05-29 09:12
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Pre-Close Credit Report - Seller-05/28/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/27/2026
|
Ready for Review-Document Uploaded. Pre-Close Credit Report - Seller-05/28/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
|
XXX-XXXXXXX XXXXX-Pre-Close Credit Report.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055215
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 14:00
|
2026-05-27 07:59
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/26/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/21/2026
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
|
XXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055215
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 15:09
|
2026-05-27 07:57
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Acknowledged- - Due Diligence Vendor-05/27/2026
Ready for Review-Guild does not send the borrower clerical revisions on the Appraisal. - Buyer-05/26/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-05/21/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
|||||||
|
409055248
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 12:04
|
2026-05-21 09:30
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. IEADS - Buyer-05/20/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/18/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
|
XXX-XXXXX XXXXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055217
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 11:48
|
2026-05-18 14:49
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided B1 GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Uploaded pre-close report dated XX/XX/XXXX and note date XX/XX/XXX - Buyer-05/18/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/14/2026
|
Resolved-Lender provided B1 GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055249
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 06:11
|
2026-07-24 12:49
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements
|
Resolved-Lender provided 12 months of bank statements required for B2 business. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached complete Bank Statements for XXXX. Thank you. - Seller-05/12/2026
Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing 12 months bank statements - Due
Diligence Vendor-05/11/2026
|
Ready for Review-Document Uploaded. Please see the attached complete Bank Statements for XXXX. Thank you. - Seller-05/12/2026
|
Resolved-Lender provided 12 months of bank statements required for B2 business. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/12/2026
|
XXXXX XXXX Bank Statements Complete.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055249
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-07 07:49
|
2026-05-12 11:39
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Business Bank Statements Missing
|
Resolved-Lender provided 12 months of bank statements required for B2 business. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached complete Bank Statements for XXXX. Thank you. - Buyer-05/12/2026
Open-Borrower 2 Business Bank Statements Missing Missing full 12 months for bank account ending #XXXX. NOTE: transfers between accounts
aren't eligible for inclusion. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/07/2026
|
Resolved-Lender provided 12 months of bank statements required for B2 business. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/12/2026
|
XXXXX XXXX Bank Statements Complete.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055249
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-07 08:25
|
2026-05-12 09:13
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/11/2026
Open-RESPA: IEADS Required - Missing Provide a legible copy of the initial escrow account disclosure (IEAD) confirming $X,XXX.XX in
initial deposit with $XXX.XX monthly cost. - Due Diligence Vendor-05/07/2026
|
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/11/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
|
XXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055249
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 06:02
|
2026-05-11 06:02
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/11/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/11/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Originator Pre-Close
|
No
|
||||||
|
409055278
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 13:32
|
2026-05-18 14:27
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided B2 GAP report within 10 days of Note with no new debt. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
Ready for Review-Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/15/2026
Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/14/2026
|
Resolved-Lender provided B2 GAP report within 10 days of Note with no new debt. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055278
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 13:32
|
2026-05-18 14:26
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided B1 GAP report within 10 days of Note with no new debt. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
Ready for Review-Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/15/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/14/2026
|
Resolved-Lender provided B1 GAP report within 10 days of Note with no new debt. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055210
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-12 07:25
|
2026-05-14 08:13
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Buyer-05/13/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/12/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/14/2026
|
Initial Escrow Account Disclosure.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055218
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-27 07:55
|
2026-05-29 09:13
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-05/27/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
ESC - EA - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055270
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 09:09
|
2026-05-12 09:51
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Initial Escrow Acct Discl Stmt - Buyer-05/12/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/11/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
|
XXX-XXXXXXX XXXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055251
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 15:06
|
2026-05-29 09:14
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved- - Due Diligence Vendor-05/29/2026
Ready for Review-Guild does not send the borrower clerical revisions on the Appraisal. - Buyer-05/28/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/22/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||||
|
409055252
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-07 15:20
|
2026-05-12 09:02
|
Resolved
|
1 - Information
|
Compliance
|
Rescission:Disbursement
|
Federal - Right of Rescission (Loan Disbursement Violation) (TILA)
|
Resolved-Lender provided PCCD to shows the correct disbursement date for right to rescission. condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved- - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached Final SASS and PCCD, both reflecting the disbursement date as XX/XX/XXXX.
Thank you. - Buyer-05/11/2026
Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (XX/XX/XXXX) is earlier
than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). - Due Diligence Vendor-05/07/2026
Open- - Due Diligence Vendor-05/07/2026
Open- - Due Diligence Vendor-05/07/2026
|
Resolved-Lender provided PCCD to shows the correct disbursement date for right to rescission. condition resolved. - Due Diligence
Vendor-05/12/2026
|
XXXXXXXXXFinal SASS.pdf
XXXXXXXXX PCCD.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055252
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-07 14:37
|
2026-05-11 11:00
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/11/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/11/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/07/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/11/2026
|
XXXXXXXXX Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055226
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 14:52
|
2026-05-27 07:40
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/26/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/22/2026
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
|
XXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055253
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 07:33
|
2026-05-29 09:16
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: AfBA Disclosure is Missing
|
Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Open-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/26/2026
|
Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
ABA LETTER.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055253
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 07:33
|
2026-05-29 09:16
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/26/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
Initial Escrow Account Disclosure.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055279
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 15:35
|
2026-05-26 15:14
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report & signed Credit Inquiry LOE. Thank you. -
Buyer-05/22/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/21/2026
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
|
XXXXXXXXX Pre-Close Credit Report.pdf
XXXXXXXXX Pre-Close Credit Inquiry Signed.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055279
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 14:30
|
2026-05-26 15:13
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/22/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/21/2026
|
Resolved-RESPA: IEADS Required is Provided condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/26/2026
|
XXXXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055242
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 11:58
|
2026-05-14 08:31
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved-XXXX does not send the borrower clerical revisions on the Appraisal. - Due Diligence Vendor-05/14/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
<<Appraiser_Signature_Date>> is after the Primary Appraisal Delivery Date of <<Appraisal_Delivery_Date>. - Due Diligence Vendor-05/14/2026
Ready for Review-Guild does not send the borrower clerical revisions on the Appraisal. - Buyer-05/12/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX Delivery Date. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/11/2026
|
Resolved-Guild does not send the borrower clerical revisions on the Appraisal. - Due Diligence Vendor-05/14/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||||
|
409055242
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 07:29
|
2026-05-14 08:27
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/12/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/11/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/14/2026
|
XXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055242
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 12:26
|
2026-05-11 12:30
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/11/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/11/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055254
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 14:02
|
2026-05-18 15:07
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055280
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 08:48
|
2026-05-18 13:01
|
Resolved
|
1 - Information
|
Credit
|
Title
|
Title Coverage is Less than Subject Lien(s) Total
|
Resolved-Lender provided amended title commitment Title Coverage Amount of $XXXXXX. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence
Vendor-05/18/2026
Ready for Review-Document Uploaded. - Buyer-05/15/2026
Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXXX Loan amount on Title commitment is
incorrect. - Due Diligence Vendor-05/11/2026
|
Resolved-Lender provided amended title commitment Title Coverage Amount of $XXXXXX. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence
Vendor-05/18/2026
|
Amended Tile Commitment.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055280
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 10:18
|
2026-05-18 12:58
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Homeownership Counseling Disclosure Delivery
|
Resolved-lender provided evidence the homeownership disclosure sent on XX/XX/XXXX. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Resolved - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. - Seller-05/14/2026
Ready for Review-Document Uploaded. - Seller-05/14/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date
(XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must
provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Application date is XX/XX/XXXX, however
document was not dated within 3 days of application. - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
|
Ready for Review-Document Uploaded. - Seller-05/14/2026
Ready for Review-Document Uploaded. - Seller-05/14/2026
|
Resolved-lender provided evidence the homeownership disclosure sent on XX/XX/XXXX. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Resolved - Due Diligence Vendor-05/18/2026
|
HOC MAILED.pdf
LOE HOC MAILED ON 2.17.pdf
EVID OF COMPLIANCE.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055280
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 07:42
|
2026-05-18 12:56
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Buyer-05/13/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/11/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/14/2026
|
Initial Escrow Account Disclosure.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055280
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 08:42
|
2026-05-14 10:35
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
TRID: Missing Closing Disclosure
|
Resolved-Received p1 of the final CD. - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Buyer-05/13/2026
Open-TRID: Missing Final Closing Disclosure Missing 1st page of final CD - Due Diligence Vendor-05/11/2026
|
Resolved-Received p1 of the final CD. - Due Diligence Vendor-05/14/2026
|
CD - Final--ALL PAGES.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055227
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 13:35
|
2026-05-29 09:18
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Uploaded pre-close report - Buyer-05/28/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. Additional conditions may apply. - Due Diligence Vendor-05/26/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
|
XXX XXXXX Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055293
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 14:12
|
2026-05-18 14:44
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Initial Escrow Acct Discl Stmt - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing The escrow account disclosure indicates the borrower selected a waiver, but escrows are reflected on
the final CD. Provide a legible copy of the fully executed initial escrow account disclosure (IEAD) reflecting the initial deposit of $XXX.XX with a monthly amount of $XXX.XX. - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXX-XXXXXXX XXXX- Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055219
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 10:11
|
2026-05-27 07:19
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application
|
Resolved-Lender provided evidence to show the borrower gave verbal authorization on XX/XX/XXXX to pull credit. Condition resolved - Due
Diligence Vendor-05/27/2026
Resolved-Resolved - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. APPLICATION RECEIVED ON XX/XX/XXXX WAS A XXX LOAN WITH NO PROPERTY SELECTED BY THE BORROWER, SEE
ATTACHED VERBAL CREDIT AUTHORIZATION STATNE NO PROPERTY ADDRESS - Buyer-05/26/2026
Counter-Unable to confirm application date of XX/XX/XXXX. Sales contract dated XX/XX/XXXX reflects borrower offer as of XX/XX/XXXX, seller
acceptance XX/XX/XXXX. Earliest disclosed application date per file XX/XX/XXXX. - Due Diligence Vendor-05/22/2026
Ready for Review-Initial Loan Application date with property information receivedXX/XX/XXXX.
Sales Contract received from borrowers XX/XX/XXXX
Application and Disclosures sent to borrower XX/XX/XXXX - Borrower signed XX/XX/XXXX - Seller-05/21/2026
Open- - Due Diligence Vendor-05/19/2026
Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days
from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Application date
is XX/XX/XXXX, however document was signed XX/XX/XXXX - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
|
Ready for Review-Initial Loan Application date with property information received XX/XX/XXXX.
Sales Contract received from borrowers XX/XX/XXXX
Application and Disclosures sent to borrower XX/XX/XXXX - Borrower signed XX/XX/XXXX - Seller-05/21/2026
|
Resolved-Lender provided evidence to show the borrower gave verbal authorization on XX/XX/XXXX to pull credit. Condition resolved - Due
Diligence Vendor-05/27/2026
Resolved-Resolved - Due Diligence Vendor-05/27/2026
|
XXX-XXXXXXX XXXXXXXX - Verbal Credit Authorization - TBD LOAN.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055219
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 10:11
|
2026-05-27 07:19
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Homeownership Counseling Disclosure Delivery
|
Resolved-Lender provided evidence to show the borrower gave verbal authorization on XX/XX/XXXX to pull credit. Condition resolved - Due
Diligence Vendor-05/27/2026
Resolved-Resolved - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. APPLICATION RECEIVED ON XX/XX/XXXX WAS A XXX LOAN WITH NO PROPERTY SELECTED BY THE BORROWER, SEE
ATTACHED VERBAL CREDIT AUTHORIZATION STATNE NO PROPERTY ADDRESS - Buyer-05/26/2026
Counter-Unable to confirm application date of XX/XX/XXXX. Sales contract dated XX/XX/XXXX reflects borrower offer as of XX/XX/XXXX, seller
acceptance XX/XX/XXXX. Earliest disclosed application date per file XX/XX/XXXX. - Due Diligence Vendor-05/22/2026
Ready for Review-Initial Loan Application date with property information received XX/XX/XXXX.
Sales Contract received from borrowers XX/XX/XXXX
Application and Disclosures sent to borrower XX/XX/XXXX - Borrower signed XX/XX/XXXX - Seller-05/21/2026
Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date
(XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must
provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Application date is XX/XX/XXXX, however
document was signed XX/XX/XXXX - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
|
Ready for Review-Initial Loan Application date with property information received XX/XX/XXXX.
Sales Contract received from borrowers XX/XX/XXXX
Application and Disclosures sent to borrower XX/XX/XXXX - Borrower signed XX/XX/XXXX - Seller-05/21/2026
|
Resolved-Lender provided evidence to show the borrower gave verbal authorization on XX/XX/XXXX to pull credit. Condition resolved - Due
Diligence Vendor-05/27/2026
Resolved-Resolved - Due Diligence Vendor-05/27/2026
|
XXX-XXXXXXXX XXXXXXXX - Verbal Credit Authorization - TBD LOAN.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055219
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 10:07
|
2026-05-22 12:24
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report received. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. PRE-CLOSE CREDIT REPORT - Buyer-05/21/2026
Open-Borrower 1 Gap Credit Report is Missing A Gap Credit Report within 10 business days of closing is required. - Due Diligence
Vendor-05/20/2026
|
Resolved-Borrower 1 Gap Credit Report received. - Due Diligence Vendor-05/22/2026
|
XXX-XXXXXXXX XXXXXXXX -PRE-CLOSE CREDIT REPORT.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055219
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 07:37
|
2026-05-22 12:22
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Initial Escrow Acct Discl Stmt - Buyer-05/21/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/19/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/22/2026
|
XXX-XXXXXXXX XXXXXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055220
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 17:15
|
2026-05-18 13:57
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXXXXXX IEADS.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055271
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-13 12:33
|
2026-05-22 07:20
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application
|
Resolved-RESPA date is XX/XX/XXXX - documentation provided - condition cleared - Due Diligence Vendor-05/22/2026
Counter-Lender sent in QM/ATR information; however, it doesn't show dates used for compliance with application date of XX/XX/XXXX, only
shows rate lock date of XX/XX/XXXX. condition remains the same - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. Please see the attached ATR/QM. Thank you. - Seller-05/19/2026
Counter-Please provided a compliance report showing dates used since the Rate lock policy shows application date of XX/XX/XXXX vs
XX/XX/XXXX by you, condition remains the same. - Due Diligence Vendor-05/18/2026
Ready for Review-Upon review of the file, a fully executed sales contract was received on XX/XX/XXXX, which provided the property address
and satisfied the final RESPA requirement needed to establish the file as an application. The Initial Loan Estimate, provided on pages 338–341, reflects the fully executed LE issued within the required three business days. - Seller-05/15/2026
Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days
from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) XX/XX/XXXX is
the application date per the statement of lock policy. Provide a fully executed loan estimate within 3-business days. - Due Diligence Vendor-05/13/2026
Open- - Due Diligence Vendor-05/13/2026
|
Ready for Review-Document Uploaded. Please see the attached ATR/QM. Thank you. - Seller-05/19/2026
Ready for Review-Upon review of the file, a fully executed sales contract was received on XX/XX/XXXX, which provided the property address
and satisfied the final RESPA requirement needed to establish the file as an application. The Initial Loan Estimate, provided on pages 338–341, reflects the fully executed LE issued within the required three business days. - Seller-05/15/2026
|
Resolved-RESPA date is XX/XX - documentation provided - condition cleared - Due Diligence Vendor-05/22/2026
|
XXX ATR-QM.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055271
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-13 12:33
|
2026-05-22 07:20
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Homeownership Counseling Disclosure Delivery
|
Resolved-RESPA date is XX/XX/XXXX - documentation provided - condition cleared - Due Diligence Vendor-05/22/2026
Counter-Lender sent in QM/ATR information; however, it doesn't show dates used for compliance with application date of XX/XX/XXXX, only
shows rate lock date of XX/XX/XXXX. condition remains the same - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. Please see the attached ATR/QM. Thank you. - Seller-05/19/2026
Counter-Please provided a compliance report showing dates used since the Rate lock policy shows application date of XX/XX/XXXX vs
XX/XX/XXXX by you, condition remains the same. - Due Diligence Vendor-05/18/2026
Ready for Review-Upon review of the file, a fully executed sales contract was received on XX/XX/XXXX, which provided the property address
and satisfied the final RESPA requirement needed to establish the file as an application. The Homeownership Counseling Disclosure, provided on pages 31-35, reflects the fully executed Homeownership Counseling Disclosure, issued within the
required three business days. - Buyer-05/15/2026
Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date
(XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must
provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) XX/XX/XXXX is the application date per the
statement of lock policy. Provide a fully executed homeownership counseling organization disclosure within 3-business days. - Due Diligence Vendor-05/13/2026
Open- - Due Diligence Vendor-05/13/2026
|
Ready for Review-Document Uploaded. Please see the attached ATR/QM. Thank you. - Seller-05/19/2026
|
Resolved-RESPA date is XX/XX/XXXX - documentation provided - condition cleared - Due Diligence Vendor-05/22/2026
|
XXX ATR-QM.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055271
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-13 10:25
|
2026-05-18 13:54
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/15/2026
Open-RESPA: IEADS Required - Missing Provide a legible copy of the fully executed initial escrow account disclosure (IEAD). - Due
Diligence Vendor-05/13/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055211
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 15:06
|
2026-05-26 15:16
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/26/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/22/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/21/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/26/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/26/2026
|
XXXXXXXXXXX IEADS.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055211
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 13:57
|
2026-05-21 13:59
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/21/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/21/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055300
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 14:47
|
2026-05-20 09:44
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/20/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/19/2026
Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2026
|
Resolved-Lender provided GAP report for B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/20/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055300
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 14:47
|
2026-05-20 09:43
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for B1 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/20/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/19/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2026
|
Resolved-Lender provided GAP report for B1 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/20/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055277
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 09:38
|
2026-05-22 11:18
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Uploaded pre-close report - Buyer-05/21/2026
Open-Borrower 2 Gap Credit Report is Missing Per section 12.1.6, a gap credit report within 10-business days of closing is required;
provide for B1 and B2. Additional conditions may apply, upon receipt. - Due Diligence Vendor-05/20/2026
|
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2026
|
XXXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055277
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 09:37
|
2026-05-22 11:18
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Uploaded pre-close credit report - Buyer-05/21/2026
Open-Borrower 1 Gap Credit Report is Missing Per section 12.1.6, a gap credit report within 10-business days of closing is required;
provide for B1 and B2. Additional conditions may apply, upon receipt. - Due Diligence Vendor-05/20/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/22/2026
|
XXXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055258
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 09:23
|
2026-05-18 14:41
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Initial Escrow Acct Discl Stmt - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/15/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXX-XXXXXXXX XXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055282
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 12:12
|
2026-05-28 07:33
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report received. Resolved. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. - Buyer-05/27/2026
Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/22/2026
|
Resolved-Borrower 1 Gap Credit Report received. Resolved. - Due Diligence Vendor-05/28/2026
|
XXXXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055283
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 14:16
|
2026-05-12 09:27
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for borrower 1 within 10 days of Note with inquiries. Condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report and Credit Inquiry LOE. Thank you. - Seller-05/11/2026
Open-Borrower 1 Gap Credit Report is Missing Loan file is missing a gap credit report from at least one of the three major national credit
bureaus dated within 10 days of closing. - Due Diligence Vendor-05/08/2026
|
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report and Credit Inquiry LOE. Thank you. - Seller-05/11/2026
|
Resolved-Lender provided GAP report for borrower 1 within 10 days of Note with inquiries. Condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2026
|
XXX LOE Credit.pdf
XXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055283
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 14:16
|
2026-05-12 09:27
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for borrower 2 within 10 days of Note with inquiries. Condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report and Credit Inquiry LOE. Thank you. - Seller-05/11/2026
Open-Borrower 2 Gap Credit Report is Missing Loan file is missing a gap credit report from at least one of the three major national credit
bureaus dated within 10 days of closing. - Due Diligence Vendor-05/08/2026
|
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report and Credit Inquiry LOE. Thank you. - Seller-05/11/2026
|
Resolved-Lender provided GAP report for borrower 2 within 10 days of Note with inquiries. Condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2026
|
XXX Pre-Close Credit Report.pdf
XXX LOE Credit.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055283
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 14:21
|
2026-05-12 09:09
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/11/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/08/2026
|
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/11/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
|
XXX Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055260
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 07:27
|
2026-06-02 10:02
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/02/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-06/02/2026
Ready for Review-Please see the attached IEADS. Thank you. - Buyer-06/01/2026
Open- - Due Diligence Vendor-06/01/2026
Acknowledged- - Due Diligence Vendor-06/01/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/29/2026
|
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/02/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-06/02/2026
|
XXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055237
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-04-09 10:31
|
2026-05-30 17:16
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Audited DTI Exceeds Guideline DTI
|
Resolved-Received a corrected 1003. - Due Diligence Vendor-05/30/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Counter-Received updated 1008/ XXX-XXX XX business bank statement to update income reflecting $XX,XXX.XX. Please provide updated final
1003 with updated income. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. - Buyer-05/20/2026
Open-Audited DTI of 52.1% exceeds Guideline DTI of 50% due to using the qualifying rate at fully amortized payment, not I/O payment as
Lender used. GLs do not specify qualifying rate for I/O loans. - Due Diligence Vendor-04/09/2026
|
Resolved-Received a corrected 1003. - Due Diligence Vendor-05/30/2026
|
XX/XXXX.pdf
XX/XXXX.pdf
Income-Report-XX-XXXXXXXXXX-XXXXXX-Business-Bank-Statement.pdf
XXXXXXX 1008.pdf
XXXXXXX URLA.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055237
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-03-31 15:26
|
2026-03-31 15:26
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-03/31/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-03/31/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055261
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-23 19:15
|
2026-05-29 09:21
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/24/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
Initial Escrow Account Disclosure.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055229
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 11:02
|
2026-05-29 09:44
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/28/2026
Open-Borrower 1 Gap Credit Report is Missing Additional conditions may apply upon receipt of the GAP report - Due Diligence
Vendor-05/26/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
|
XXX XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055229
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 12:03
|
2026-05-29 09:43
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Transaction Ineligible
|
Resolved-Lender exception provided - cleared - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/28/2026
Open-Lender guidelines require a housing history of all non-owner-occupied transactions. Despite this requirement, the borrower lives rent
free and no payment history is available. Documentation in the file indicated a lender exception was granted but the actual exception approval with compensating factors was not provided. - Due Diligence Vendor-05/26/2026
|
Resolved-Lender exception provided - cleared - Due Diligence Vendor-05/29/2026
|
XXX XXXXXX Exception Approval.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055229
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 11:59
|
2026-05-29 09:42
|
Resolved
|
1 - Information
|
Credit
|
Eligibility
|
Ineligible Property Type
|
Resolved-Property type is eligible. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/28/2026
Open-Property type is ineligible due to Subject property units are less than minimum 600 square feet. Documentation in the file indicated
a lender exception was granted but the actual exception approval with compensating factors was not provided.. Subject property units are less than minimum 600 square feet. Documentation in the file indicated a lender exception was granted but
the actual exception approval with compensating factors was not provided. - Due Diligence Vendor-05/26/2026
|
Resolved-Property type is eligible. - Due Diligence Vendor-05/29/2026
|
XXX XXXXXX Exception Approval.pdf
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055262
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 10:01
|
2026-05-21 09:37
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/20/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/18/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
|
XXXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055238
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-06-01 10:49
|
2026-06-15 09:49
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-06/01/2026
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||||
|
409055238
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-06-01 11:40
|
2026-06-01 11:40
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-06/01/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-06/01/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055294
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-28 17:52
|
2026-06-02 10:19
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/02/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-06/02/2026
Ready for Review-Please see the attached IEADS. Thank you. - Buyer-06/01/2026
Open- - Due Diligence Vendor-06/01/2026
Acknowledged- - Due Diligence Vendor-06/01/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-05/28/2026
|
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/02/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-06/02/2026
|
XXXXXXXXXXX IEADS.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055294
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 11:06
|
2026-05-29 11:07
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/29/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/29/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055230
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 05:22
|
2026-05-18 14:54
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report within 10 days of Note with no new debt Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-05/18/2026
Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national
credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is
missing in file. - Due Diligence Vendor-05/15/2026
|
Resolved-Lender provided GAP report within 10 days of Note with no new debt Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
|
XXX-XXXXXXX XXXXXX - Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055230
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 10:13
|
2026-05-18 14:54
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. IEADS - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXX-XXXXXXX XXXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Investment
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055236
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 17:09
|
2026-05-21 09:38
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. - Buyer-05/20/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/18/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
|
ESC - EA - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055264
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 11:04
|
2026-05-18 15:16
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see attached ieads - Buyer-05/15/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXXXX Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055286
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-13 13:35
|
2026-05-18 15:12
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/13/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055223
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 10:53
|
2026-05-20 10:08
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/20/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. See pre-close credit dated within 10 days of note date XX/XX/XXXX - Buyer-05/19/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a pre-close credit report provided within 10 days of the Note. The
Pre-close credit report is missing from the loan file. - Due Diligence Vendor-05/18/2026
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/20/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2026
|
XXXXXXXXX pre-close.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055223
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 10:06
|
2026-05-20 10:07
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/20/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. uploaded ieads - Buyer-05/19/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/15/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved - Due Diligence Vendor-05/20/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/20/2026
|
XXXXXXXX ieads.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055223
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 11:05
|
2026-05-18 13:07
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Income/Employment
|
Self Employed less than 2 years - Borrower 1 Corporation 1
|
Acknowledged-Documentation provided in the loan file indicates borrower 1 is self-employed less than 2 years and therefore , does not meet
the lender's applicable guidelines for self-employment. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-05/18/2026
|
Acknowledged-Documentation provided in the loan file indicates borrower 1 is self-employed less than 2 years and therefore , does not meet
the lender's applicable guidelines for self-employment. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-05/18/2026
|
Low DTI
Good reserves
Residual income
FICO 20+ above required min
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055224
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-28 08:11
|
2026-05-29 09:46
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Please see pre-close report - Buyer-05/28/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. The credit report in file, dated XX/XX/XXXX, is 12 business days. Additional conditions
may apply. - Due Diligence Vendor-05/28/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
|
XXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Investment
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055224
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-28 08:31
|
2026-05-28 08:31
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/28/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/28/2026
|
XX
|
Investment
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055267
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 11:56
|
2026-05-29 09:49
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. IEADS - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/22/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
XXX-XXXXXXXX XXXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055272
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 12:42
|
2026-05-11 16:24
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Income/Employment
|
Employment Self-Employed Less Than 2 Years at Origination
|
Acknowledged-Borrower lacks two full years at current employer. Lender provided approved exception dated prior to consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/11/2026
|
Acknowledged-Borrower lacks two full years at current employer. Lender provided approved exception dated prior to consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/11/2026
|
1) Excellent housing payment history
2) Reserves > GLs.
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055225
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 13:42
|
2026-06-30 11:01
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Incomplete Final Application
|
Resolved-The Final 1003 is Present. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. URLA-FINAL - Seller-05/12/2026
Open-The Final 1003 is Incomplete The final 1003 has many blank fields (content is missing). Provide a legible copy of all pages of the
fully executed final 1003. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/11/2026
|
Ready for Review-Document Uploaded. URLA-FINAL - Seller-05/12/2026
|
Resolved-The Final 1003 is Present. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/12/2026
|
XXX-XXXXXXX XXXXXX - URLA-FINAL.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055225
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 12:29
|
2026-05-12 10:15
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Initial Escrow Acct Discl Stmt - Seller-05/12/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/11/2026
|
Ready for Review-Document Uploaded. Initial Escrow Acct Discl Stmt - Seller-05/12/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
|
XXX-XXXXXXX XXXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055225
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 12:55
|
2026-05-12 10:14
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
TRID: Missing Closing Disclosure
|
Resolved-TRID: Final Closing Disclosure Provided condition resolved - Due Diligence Vendor-05/12/2026
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. CD-FINAL - Seller-05/12/2026
Open-TRID: Missing Final Closing Disclosure The final CD has many fields that are blank (content is missing); there isn't an ALTA
settlement statement in-file either. Provide a legible copy of the fully executed final CD for review. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/11/2026
|
Ready for Review-Document Uploaded. CD-FINAL - Seller-05/12/2026
|
Resolved-TRID: Final Closing Disclosure Provided condition resolved - Due Diligence Vendor-05/12/2026
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/12/2026
|
XXX-XXXXXXX XXXXXX - CD-FINAL.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055233
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-12 08:30
|
2026-05-14 11:27
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Evidence of Insurance for REO
|
Resolved-Received verification the property is part of business. - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Seller-05/14/2026
Open-Missing Evidence of Insurance for property 3b from the final 1003. - Due Diligence Vendor-05/12/2026
|
Ready for Review-Document Uploaded. - Seller-05/14/2026
|
Resolved-Received verification the property is part of business. - Due Diligence Vendor-05/14/2026
|
DISPUTE FOR XXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055233
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 13:25
|
2026-05-14 11:27
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Evidence of Property Taxes for REO
|
Resolved-Received verification the property is part of business. - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Buyer-05/14/2026
Open-Missing proof of property taxes for the investment property located at XXX XXXXXXX XX - Due Diligence Vendor-05/11/2026
|
Resolved-Received verification the property is part of business. - Due Diligence Vendor-05/14/2026
|
DISPUTE FOR XXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055233
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-12 08:32
|
2026-05-14 11:26
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements
|
Resolved-. - Due Diligence Vendor-05/14/2026
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Buyer-05/14/2026
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of taxes and insurance for
property 3b from the final 1003. - Due Diligence Vendor-05/12/2026
|
Resolved-. - Due Diligence Vendor-05/14/2026
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-05/14/2026
|
DISPUTE FOR XXX XXXXXXX.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055233
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 14:54
|
2026-05-14 11:26
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Closing Disclosure and Consummation Date
|
Resolved-Received cert of completion doc confirming Initial CD receipt date of XX/XX/XXXX. - Due Diligence Vendor-05/14/2026
Resolved-Resolved - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. - Seller-05/13/2026
Open- - Due Diligence Vendor-05/12/2026
Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX).
Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation.
(12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is
(XX/XX/XXXX). - Due Diligence Vendor-05/11/2026
Open- - Due Diligence Vendor-05/11/2026
|
Ready for Review-Document Uploaded. - Seller-05/13/2026
|
Resolved-Received cert of completion doc confirming Initial CD receipt date of XX/XX/XXXX. - Due Diligence Vendor-05/14/2026
Resolved-Resolved - Due Diligence Vendor-05/14/2026
|
E CONSENT FOR INITIAL CD.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055265
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 11:04
|
2026-05-29 08:43
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Resolved- - Due Diligence Vendor-05/29/2026
Ready for Review-XXXXX only sends borrowers the original appraisal, and any subsequent minor revised reports are not required to be sent
to borrower. Can you please clear this one? thanks - Seller-05/20/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-05/18/2026
|
Ready for Review-XXXXX only sends borrowers the original appraisal, and any subsequent minor revised reports are not required to be sent
to borrower. Can you please clear this one? thanks - Seller-05/20/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||||
|
409055265
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 10:48
|
2026-05-22 09:44
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Homeownership Counseling Disclosure Delivery
|
Resolved-Resolved - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Loan application date was XX/XX/XXXX, please see section 9 of 1003 and our LOS system to support when
we had address to enter in system via sales contract. - Buyer-05/20/2026
Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date
(XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must
provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Lock in file pg 331 shows the application
date as XX/XX/XXXX - Due Diligence Vendor-05/18/2026
Open- - Due Diligence Vendor-05/18/2026
|
Resolved-Resolved - Due Diligence Vendor-05/22/2026
|
XXXXXXX initial application.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055265
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 10:48
|
2026-05-22 09:44
|
Resolved
|
1 - Information
|
Compliance
|
Tolerance:Disclosure
|
Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application
|
Resolved-Received lender confirmation of completed information received for LOR date. Resolved. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Loan application date was XX/XX/XXXX, please see section 9 of 1003 and our LOS system to support when
we had address to enter in system via sales contract. - Seller-05/20/2026
Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days
from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Lock in file pg
331 shows the application date as XX/XX/XXXX - Due Diligence Vendor-05/18/2026
Open- - Due Diligence Vendor-05/18/2026
|
Ready for Review-Document Uploaded. Loan application date was XX/XX/XXXX, please see section 9 of 1003 and our LOS system to support when
we had address to enter in system via sales contract. - Seller-05/20/2026
|
Resolved-Received lender confirmation of completed information received for LOR date. Resolved. - Due Diligence Vendor-05/22/2026
|
XXXXXXX initial application.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055265
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-18 09:47
|
2026-05-21 09:40
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Uploaded ieads - Buyer-05/20/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/18/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/21/2026
|
XXXXXXX Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055273
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 10:01
|
2026-06-04 13:29
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. - Buyer-06/03/2026
Open- - Due Diligence Vendor-06/03/2026
Acknowledged- - Due Diligence Vendor-06/01/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-05/29/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-06/04/2026
|
XXXXXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055240
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-27 11:07
|
2026-05-29 09:51
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: AfBA Disclosure is Missing
|
Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Open-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/27/2026
|
Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
XXX LETTER.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055240
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-27 11:07
|
2026-05-29 09:51
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/27/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
Initial Escrow Account Disclosure.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055269
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 08:42
|
2026-06-15 09:54
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
RESPA: AfBA Disclosure is Missing
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2026
Open-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/29/2026
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/01/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXX
|
N/A
|
N/A
|
||||||
|
409055296
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 14:22
|
2026-07-28 17:24
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Credit History taken into consideration does not meet requirements
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/22/2026
Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing gap credit - Due Diligence Vendor-05/21/2026
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/26/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055296
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 10:37
|
2026-05-26 15:23
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/22/2026
Open-Borrower 1 Gap Credit Report is Missing Per section 12.1.6, a gap report is required within 10-business days of closing; provide.
Additional conditions may apply upon receipt. - Due Diligence Vendor-05/20/2026
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055296
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 14:34
|
2026-05-21 14:35
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/21/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/21/2026
|
XX
|
Second Home
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055246
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 08:22
|
2026-05-27 07:56
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/26/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/21/2026
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
|
XXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055246
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 10:37
|
2026-05-22 10:37
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/22/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/22/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055247
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 15:45
|
2026-05-14 15:45
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/14/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/14/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055297
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 10:16
|
2026-05-30 17:47
|
Resolved
|
1 - Information
|
Property
|
Value
|
Missing Valuation Review Product - 2
|
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/30/2026
Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Seller-05/29/2026
Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score 2.7 and LCA could not be assessed. -
Due Diligence Vendor-05/21/2026
|
Ready for Review-Document Uploaded. Please see the attached CDA. Thank you. - Seller-05/29/2026
|
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/30/2026
|
XXXXXX CDA.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055297
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 10:12
|
2026-05-26 14:26
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for B1 & B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report & signed credit inquiry LOE. Thank you. -
Seller-05/22/2026
Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/21/2026
|
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report & signed credit inquiry LOE. Thank you. -
Seller-05/22/2026
|
Resolved-Lender provided GAP report for B1 & B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
|
XXXXXXXX Pre-Close Credit Inquiry LOE.pdf
XXXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055297
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 10:12
|
2026-05-26 14:26
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for B1 & B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report & signed credit inquiry LOE. Thank you. -
Seller-05/22/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/21/2026
|
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report & signed credit inquiry LOE. Thank you. -
Seller-05/22/2026
|
Resolved-Lender provided GAP report for B1 & B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026
|
XXXXXXXX Pre-Close Credit Inquiry LOE.pdf
XXXXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055297
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 09:17
|
2026-05-26 14:25
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/22/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/21/2026
|
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/22/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/26/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/26/2026
|
XXXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055297
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 11:02
|
2026-05-26 14:23
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
ECOA: Most Recent Primary Appraisal Not Provided to Applicant
|
Acknowledged- - Due Diligence Vendor-05/26/2026
Ready for Review-Guild does not send the borrower clerical revisions on the Appraisal. - Seller-05/22/2026
Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX
is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2026
|
Ready for Review-XXXXX does not send the borrower clerical revisions on the Appraisal. - Seller-05/22/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 05:56
|
2026-07-28 17:26
|
Resolved
|
1 - Information
|
Compliance
|
QM-ATR
|
ATR Risk - Credit History taken into consideration does not meet requirements
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Seller-05/18/2026
Open-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-05/15/2026
|
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Seller-05/18/2026
|
Resolved-Lender provided GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/18/2026
|
XXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 12:00
|
2026-05-21 09:28
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrower Identification - Borrower 1
|
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Please see the attached Patriot Act Disclosures. Thank you. - Buyer-05/20/2026
Counter- - Due Diligence Vendor-05/20/2026
Ready for Review-The Patriot form for B1 which is acceptable is blank. condition remains. - Due Diligence Vendor-05/20/2026
Ready for Review-The expanded product does not require photo identification. The documentation in the file should suffice. Please review
and advise how we can proceed. Thank you for your assistance. - Buyer-05/19/2026
Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-05/14/2026
|
Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-05/21/2026
|
XXXXX Patriot Acts.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 12:00
|
2026-05-21 09:28
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Missing Borrower Identification - Borrower 2
|
Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-05/21/2026
Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-05/21/2026
Ready for Review-Document Uploaded. Please see the attached Patriot Act Disclosures. Thank you. - Seller-05/20/2026
Counter-The Patriot form for B2 which is acceptable is blank. condition remains. - Due Diligence Vendor-05/20/2026
Ready for Review-The expanded product does not require photo identification. The documentation in the file should suffice. Please review
and advise how we can proceed. Thank you for your assistance. - Buyer-05/19/2026
Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-05/14/2026
|
Ready for Review-Document Uploaded. Please see the attached Patriot Act Disclosures. Thank you. - Seller-05/20/2026
|
Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-05/21/2026
|
XXXXX Patriot Acts.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 14:32
|
2026-05-18 15:02
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/14/2026
|
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Seller-05/18/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 05:56
|
2026-05-18 15:02
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided B1 GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Buyer-05/18/2026
Open-Borrower 1 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national
credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is
missing in file. - Due Diligence Vendor-05/15/2026
|
Resolved-Lender provided B1 GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
|
XXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 05:56
|
2026-05-18 15:01
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided B2 GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Seller-05/18/2026
Open-Borrower 2 Gap Credit Report is Missing As per GL Section 12.1.6, A gap credit report from at least one of three major national
credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXX) is required within 10 business days of closing or Evidence of an active Debt Monitoring Service within 10 days of closing in lieu of a pre-close credit report is required however same is
missing in file. - Due Diligence Vendor-05/15/2026
|
Ready for Review-Document Uploaded. Please see the attached Pre-Close Credit Report. Thank you. - Seller-05/18/2026
|
Resolved-Lender provided B2 GAP report within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/18/2026
|
XXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055287
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 06:04
|
2026-05-15 06:06
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/15/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/15/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055256
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 11:45
|
2026-05-22 12:29
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-IEADS received. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. - Buyer-05/21/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/19/2026
|
Resolved-IEADS received. - Due Diligence Vendor-05/22/2026
|
Initial Escrow Account Disclosure.pdf
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055256
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 14:42
|
2026-05-19 14:42
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/19/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/19/2026
|
XX
|
Primary Residence
|
Refinance
|
No Cash Out - Borrower Initiated
|
XXXXX
|
Originator Post-Close
|
No
|
||||||
|
409055288
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-11 10:43
|
2026-07-29 16:53
|
Resolved
|
1 - Information
|
Property
|
Value
|
Missing Post Close Valuation - 1
|
Resolved-Lender provided FRE SSR showing a score of 2.5, which is acceptable per guidelines, condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached FHLMC SSR reflecting 2.5 risk score. Thank you. - Buyer-05/12/2026
Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/11/2026
|
Resolved-Lender provided FRE SSR showing a score of 2.5, which is acceptable per guidelines, condition resolved. - Due Diligence
Vendor-05/12/2026
Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/12/2026
|
XXXXX FRE SSR.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055288
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-08 08:27
|
2026-05-12 10:18
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided condition resolved - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/12/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/08/2026
|
Resolved-RESPA: IEADS Required is Provided condition resolved - Due Diligence Vendor-05/12/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/12/2026
|
XXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055276
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 08:17
|
2026-06-01 13:39
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited LTV Exceeds Guideline LTV
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception received for LTV/CLTV/HCLTV of 80/80/80. Compensating Factors:
Excellent Housing Payment History, Reserves, Other - FICO 20+ above min required. ender provided approved exception dated post consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/26/2026
Resolved-Audited LTV of % is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached updated Exception Approval. Thank you. - Buyer-05/26/2026
Counter-Lender exception received for LTV/CLTV/HLTC. Unable to validate compensating factor of landlord history, borrower investment
property hit for full payment per final 1003. All other compensating factors valid. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Seller-05/21/2026
Open-Audited LTV of 80% exceeds Guideline LTV of 75% Maximum LTV for a rural property is 75% per Lender Guidelines. - Due Diligence
Vendor-05/20/2026
|
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Seller-05/21/2026
|
Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception received for LTV/CLTV/HCLTV of 80/80/80. Compensating Factors:
Excellent Housing Payment History, Reserves, Other - FICO 20+ above min required. ender provided approved exception dated post consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/26/2026
Resolved-Audited LTV of % is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-05/26/2026
|
XXXX Exception Approval.pdf
XXXX Updated Exception Approval.pdf
|
99 months excellent housing history
Reserves 6 mons vs Audit 39
FICO 720 vs Audit 802
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||
|
409055276
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 08:17
|
2026-06-01 13:39
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited HCLTV Exceeds Guideline HCLTV
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender exception received for LTV/CLTV/HCLTV of 80/80/80. Compensating Factors:
Excellent Housing Payment History, Reserves, Other - FICO 20+ above min required. ender provided approved exception dated post consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/26/2026
Resolved-Audited HLTV of % is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached updated Exception Approval. Thank you. - Seller-05/26/2026
Counter-Lender exception received for LTV/CLTV/HLTC. Unable to validate compensating factor of landlord history, borrower investment
property hit for full payment per final 1003. All other compensating factors valid. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Seller-05/21/2026
Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Maximum HLTV for a rural property is 75% per Lender Guidelines. - Due Diligence
Vendor-05/20/2026
|
Ready for Review-Document Uploaded. Please see the attached updated Exception Approval. Thank you. - Seller-05/26/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Seller-05/21/2026
|
Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender exception received for LTV/CLTV/HCLTV of 80/80/80. Compensating Factors:
Excellent Housing Payment History, Reserves, Other - FICO 20+ above min required. ender provided approved exception dated post consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/26/2026
Resolved-Audited HLTV of % is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-05/26/2026
|
XXXX Exception Approval.pdf
XXXX Updated Exception Approval.pdf
|
99 months excellent housing history
Reserves 6 mons vs Audit 39
FICO 720 vs Audit 802
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||
|
409055276
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-20 08:17
|
2026-06-01 13:38
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited CLTV Exceeds Guideline CLTV
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender exception received for LTV/CLTV/HCLTV of 80/80/80. Compensating Factors:
Excellent Housing Payment History, Reserves, Other - FICO 20+ above min required. ender provided approved exception dated post consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/26/2026
Resolved-Audited CLTV of % is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Please see the attached updated Exception Approval. Thank you. - Seller-05/26/2026
Ready for Review-Lender exception received for LTV/CLTV/HLTC. Unable to validate compensating factor of landlord history, borrower
investment property hit for full payment per final 1003. All other compensating factors valid. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/21/2026
Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Maximum CLTV for a rural property is 75% per Lender Guidelines. - Due Diligence
Vendor-05/20/2026
|
Ready for Review-Document Uploaded. Please see the attached updated Exception Approval. Thank you. - Seller-05/26/2026
|
Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender exception received for LTV/CLTV/HCLTV of 80/80/80. Compensating Factors:
Excellent Housing Payment History, Reserves, Other - FICO 20+ above min required. ender provided approved exception dated post consummation and all
lender compensating factors have been documented and validated. - Due Diligence Vendor-05/26/2026
Resolved-Audited CLTV of % is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-05/26/2026
|
XXXX Exception Approval.pdf
XXXX Updated Exception Approval.pdf
|
99 months excellent housing history
Reserves 6 mons vs Audit 39
FICO 720 vs Audit 802
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||
|
409055276
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 08:41
|
2026-05-22 10:06
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Insufficient Change of Circumstance (50001252)
|
Resolved- - Due Diligence Vendor-05/22/2026
Resolved- - Due Diligence Vendor-05/22/2026
Ready for Review-Please review pages 820 - 826 of the shipped loan package for the COC with Initial CD issued XX/XX/XXXX. Thank you. -
Seller-05/20/2026
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within
each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure
is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR
1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required.
Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
|
Ready for Review-Please review pages 820 - 826 of the shipped loan package for the COC with Initial CD issued XX/XX/XXXX. Thank you. -
Seller-05/20/2026
|
Resolved- - Due Diligence Vendor-05/22/2026
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055276
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-19 08:41
|
2026-05-22 10:06
|
Resolved
|
1 - Information
|
Compliance
|
TRID Tolerance
|
Charges That Cannot Increase Test (50001251)
|
Resolved-COC dated 05/05/2026 found in file uploads. Resolved. - Due Diligence Vendor-05/22/2026
Resolved- - Due Diligence Vendor-05/22/2026
Ready for Review-Please review pages 820 - 826 of the shipped loan package for the COC with Initial CD issued XX/XX/XXXX. Thank you. -
Seller-05/20/2026
Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to
the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is
re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required.
Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
Open- - Due Diligence Vendor-05/19/2026
|
Ready for Review-Please review pages 820 - 826 of the shipped loan package for the COC with Initial CD issued XX/XX/XXXX. Thank you. -
Seller-05/20/2026
|
Resolved-COC dated 05/05/2026 found in file uploads. Resolved. - Due Diligence Vendor-05/22/2026
|
XX
|
Investment
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055281
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 13:16
|
2026-06-01 13:38
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited CLTV Exceeds Guideline CLTV
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated.
- Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/22/2026
Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Guideline max CLTV for rural properties is 75%. - Due Diligence Vendor-05/15/2026
|
Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated.
- Due Diligence Vendor-05/22/2026
|
XXXXXX Exception Approval.pdf
|
Compensating factors excellent payment history, low DTI, reserves and fico 20+ above min.
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055281
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 13:16
|
2026-06-01 13:38
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited HCLTV Exceeds Guideline HCLTV
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived- - Due Diligence Vendor-05/22/2026
Resolved-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Buyer-05/22/2026
Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Guideline max HLTV for rural properties is 75%. - Due Diligence Vendor-05/15/2026
|
Resolved-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and
validated. - Due Diligence Vendor-05/22/2026
|
XXXXXX Exception Approval.pdf
|
Compensating factors excellent payment history, low DTI, reserves and fico 20+ above min.
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
||||
|
409055281
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-15 13:16
|
2026-06-01 13:38
|
Acknowledged
|
2 - Non-Material
|
Credit
|
Eligibility
|
Audited LTV Exceeds Guideline LTV
|
Acknowledged- - Due Diligence Vendor-06/01/2026
Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated.
- Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Seller-05/22/2026
Open-Audited LTV of 80% exceeds Guideline LTV of 75% Guideline max LTV for rural properties is 75%. - Due Diligence Vendor-05/15/2026
|
Ready for Review-Document Uploaded. Please see the attached Exception Approval. Thank you. - Seller-05/22/2026
|
Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated.
- Due Diligence Vendor-05/22/2026
|
XXXXXX Exception Approval.pdf
|
Compensating factors excellent payment history, low DTI, reserves and fico 20+ above min.
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||
|
409055281
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 08:32
|
2026-05-18 14:38
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055284
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 09:58
|
2026-05-29 09:23
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. IEADS - Buyer-05/28/2026
Open-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-05/27/2026
|
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/29/2026
|
XXX-XXXXXX XXXXX - Initial Escrow Acct Discl Stmt.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055284
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 09:52
|
2026-05-29 09:22
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-05/28/2026
Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/27/2026
|
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
|
XXX-XXXXXX XXXXX - Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055284
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 09:52
|
2026-05-29 09:22
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. Pre-Close Credit Report - Buyer-05/28/2026
Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap credit report from at least one of three major credit repositories
within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. - Due Diligence Vendor-05/27/2026
|
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2026
|
XXX-XXXXXX XXXXX - Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055284
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-27 12:21
|
2026-05-27 12:21
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/27/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/27/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055285
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-22 08:29
|
2026-05-22 08:29
|
Acknowledged
|
1 - Information
|
Property
|
Value
|
S&P value equals B, secondary product within tolerance
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/22/2026
|
Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-05/22/2026
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055231
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-14 10:50
|
2026-05-18 15:05
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/18/2026
Open-RESPA: IEADS Required - Missing This finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-05/14/2026
|
Resolved-RESPA: IEADS Required is Provided. condition resolved. - Due Diligence Vendor-05/18/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/18/2026
|
XXXXXXX IEADS.pdf
|
XX
|
Primary Residence
|
Purchase
|
NA
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055266
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 12:22
|
2026-06-15 09:46
|
Acknowledged
|
2 - Non-Material
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/15/2026
Acknowledged-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/29/2026
|
Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/15/2026
Acknowledged-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/29/2026
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
Investor Post-Close
|
No
|
||||||
|
409055266
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-29 08:38
|
2026-06-01 11:35
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Business Bank Statements Missing
|
Resolved-Borrower 1 Business Bank Statements page 1 received. Resolved. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. - Buyer-06/01/2026
Ready for Review-Document Uploaded. Business Bank Statements XX/XXXX - Buyer-06/01/2026
Open-Borrower 1 Business Bank Statements Missing Page 1 of the XX/XX/XXXX statement is completely illegible. Provide a legible copy for
review. Additional conditions may apply upon receipt. - Due Diligence Vendor-05/29/2026
|
Resolved-Borrower 1 Business Bank Statements page 1 received. Resolved. - Due Diligence Vendor-06/01/2026
|
XXX-XXXXXXX XXXXXX XX - Business Bank Statements XX/XXXX.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055239
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-21 14:59
|
2026-05-27 08:01
|
Resolved
|
1 - Information
|
Compliance
|
Missing Doc
|
RESPA: IEADS Required - Missing or Incomplete
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Please see the attached IEADS. Thank you. - Buyer-05/26/2026
Open-RESPA: IEADS Required - Missing - Due Diligence Vendor-05/21/2026
|
Resolved-RESPA: IEADS Required is Provided. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-RESPA: IEADS Required is Provided or Not Applicable - Due Diligence Vendor-05/27/2026
|
XXXXXX IEADS.pdf
|
XX
|
Second Home
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055234
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 12:46
|
2026-05-27 07:26
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 2 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for B1 and B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Uploaded pre-close report - Buyer-05/26/2026
Open-Borrower 2 Gap Credit Report is Missing Lender Guidelines require a GAP credit report dated within 10 days of close. Despite this
requirement, no GAP Report was provided. - Due Diligence Vendor-05/26/2026
|
Resolved-Lender provided GAP report for B1 and B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/27/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|
|||||
|
409055234
|
XXXXXXX
|
XXXXXXXX
|
Closed
|
2026-05-26 12:46
|
2026-05-27 07:26
|
Resolved
|
1 - Information
|
Credit
|
Missing Doc
|
Borrower 1 Gap Credit Report is Missing
|
Resolved-Lender provided GAP report for B1 and B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. Uploaded pre-close report - Buyer-05/26/2026
Open-Borrower 1 Gap Credit Report is Missing Lender Guidelines require a GAP credit report dated within 10 days of close. Despite this
requirement, no GAP Report was provided. - Due Diligence Vendor-05/26/2026
|
Resolved-Lender provided GAP report for B1 and B2 within 10 days of Note. Condition resolved. - Due Diligence Vendor-05/27/2026
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/27/2026
|
XXXXXX Pre-Close Credit Report.pdf
|
XX
|
Primary Residence
|
Refinance
|
Cash Out - Other
|
XXXXX
|
N/A
|
N/A
|