Exhibit 99.10
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 963905 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2025-09-24 07:50 | 2025-09-26 10:14 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-**received
disclosure. - Due Diligence Vendor-09/26/2025 Ready for Review-Document Uploaded. - Seller-09/25/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/24/2025 |
Ready for Review-Document
Uploaded. - Seller-09/25/2025 |
Resolved-**received
disclosure. - Due Diligence Vendor-09/26/2025 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
21.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.28 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 963905 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2025-09-24 04:24 | 2025-09-26 06:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003
is Present - Due Diligence Vendor-09/26/2025 Ready for Review-Document Uploaded. - Seller-09/25/2025 Open-The Initial 1003 is Missing - Due Diligence Vendor-09/24/2025 |
Ready for Review-Document
Uploaded. - Seller-09/25/2025 |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-09/26/2025 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
21.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.28 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 679047 | D | A | C | A | A | A | D | A | Closed | FCRE1500 | 2025-09-26 20:36 | 2025-10-01 07:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved- - Due Diligence
Vendor-10/01/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 Open-Missing ID for both borrowers including Resident Alien Card for B2. Some information obtained from statement of information (page xxx) - Due Diligence Vendor-09/27/2025 |
Ready for Review-Document
Uploaded. - Seller-09/30/2025 |
Borrower 2 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 5.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.32 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 679047 | D | A | C | A | A | A | D | A | Closed | FPRO1242 | 2025-09-25 14:20 | 2025-10-01 07:41 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-10/01/2025 Ready for Review-Document Uploaded. - Seller-09/30/2025 Open-Appraisal is Missing Missing AVM, Exterior Property Condition Inspection (PCI) is in the file twice - Due Diligence Vendor-09/25/2025 |
Ready for Review-Document
Uploaded. - Seller-09/30/2025 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-10/01/2025 |
Borrower 2 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 5.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.32 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 111406 | D | A | A | A | D | A | A | A | Closed | FCOM7396 | 2025-10-10 02:21 | 2025-10-15 08:04 | Resolved | 1 - Information | D | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Initial HELOC Disclosure is Missing | Resolved-Initial
Disclosure package provided - Due Diligence Vendor-10/15/2025 Ready for Review-Document Uploaded. - Seller-10/14/2025 Open-The initial HELOC Disclosure is MIssing The initial HELOC Disclosure is Missing. - Due Diligence Vendor-10/10/2025 |
Ready for Review-Document
Uploaded. - Seller-10/14/2025 |
Resolved-Initial
Disclosure package provided - Due Diligence Vendor-10/15/2025 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 896268 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-10-20 03:49 | 2025-10-23 09:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-10/23/2025 Ready for Review-Document Uploaded. HOI uploaded - Seller-10/22/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/20/2025 |
Ready for Review-Document
Uploaded. HOI uploaded - Seller-10/22/2025 |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-10/23/2025 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 20.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.18 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 511121 | D | A | A | A | D | A | A | A | Closed | FCOM0362 | 2025-11-07 09:53 | 2025-11-12 08:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final ALTA
received, data entered, no additional compliance findings - Due Diligence
Vendor-11/12/2025 Ready for Review-Document Uploaded. - Seller-11/11/2025 Counter-Settlement figures provided are for a different borrower/property - Due Diligence Vendor-11/11/2025 Ready for Review-Document Uploaded. - Seller-11/10/2025 Open-Final HUD/Settlement Statement is missing. - Due Diligence Vendor-11/07/2025 |
Ready for Review-Document
Uploaded. - Seller-11/11/2025 Ready for Review-Document Uploaded. - Seller-11/10/2025 |
Resolved-Final ALTA
received, data entered, no additional compliance findings - Due Diligence
Vendor-11/12/2025 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 6.50 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 511121 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2025-11-06 08:46 | 2025-11-12 08:20 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Final ALTA
received, data entered, no additional compliance findings - Due Diligence
Vendor-11/12/2025 Ready for Review-Document Uploaded. - Seller-11/11/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The original file is missing the Final Settlement Statement or evidence of correct disbursement date. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/07/2025 Open- - Due Diligence Vendor-11/07/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 Open- - Due Diligence Vendor-11/06/2025 |
Ready for Review-Document
Uploaded. - Seller-11/11/2025 |
Resolved-Final ALTA
received, data entered, no additional compliance findings - Due Diligence
Vendor-11/12/2025 |
Borrower At Current
Residence For Five (5) Or More Years - Borrower At Current Residence For Five
(5) Or More Years - 6.50 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 904400 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 588679 | C | A | A | A | C | A | A | A | Closed | finding-1124 | 2025-12-02 06:16 | 2025-12-10 06:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | Resolved-****Unintentional
violation or bona fide error due to points and fees charged. Lender issued a
restitution check, specific LOE, and proof of delivery. Issued within 60
days, has been provided. - Due Diligence Vendor-12/10/2025 Resolved- - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. - Seller-12/09/2025 Counter-understood. Please provide a copy of the e-check in the amount of $xxx. Thank you - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. There is no CD on a heloc, page xxx of the agreement shows the corrected fees - Seller-12/09/2025 Counter-copy of email (LOE) provided -- PCCD, copy of the refund check, and proof of delivery of the refund check within 60 days of discovery, not provided. - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. - Seller-12/08/2025 Counter-**The lender does have the option to issue a refund to remediate this finding. Lender will need to provide a LOE, PCCD, copy of the refund check, and proof of delivery of the refund check within 60 days of d - Due Diligence Vendor-12/05/2025 Ready for Review-Can we refund $xxx & provide proof of payment to the borrower to clear this? - Seller-12/05/2025 Counter-xxx High-Cost Home Loan Points and Fees Threshold Test: Loan Data $xxx; Comparative Data $xxx = Variance $xxx. - Due Diligence Vendor-12/04/2025 Ready for Review-Please confirm we need to refund $xxx - Seller-12/03/2025 Open-This loan failed the high-cost home loan points and fees threshold test. (xxx AB 75, § 3.) , (xxx SB 279, § 2.)The total points and fees of this loan, which are $xxx, exceed one of the following thresholds based on the total loan amount, which is $xxx:Either the total points and fees exceed 4.5% of the total loan amount if the total loan amount is $xxx or more; orThe total points and fees exceed 6% of the total loan amount if the total loan amount is $xxx or more but less than $xxx; orThe total points and fees exceed the lesser of 6% of the total loan amount or $xxx, if the total loan amount is less than $xxx. **The loan failed the xxx High-Cost Points and Fees test because the total of points and fees exceeded the threshold limit. - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-12/03/2025 Open- - Due Diligence Vendor-12/02/2025 Open- - Due Diligence Vendor-12/02/2025 |
Ready for Review-Document
Uploaded. - Seller-12/09/2025 Ready for Review-Document Uploaded. There is no CD on a heloc, page xxx of the agreement shows the corrected fees - Seller-12/09/2025 Ready for Review-Document Uploaded. - Seller-12/08/2025 Ready for Review-Can we refund $xxx & provide proof of payment to the borrower to clear this? - Seller-12/05/2025 Ready for Review-Please confirm we need to refund $xxx - Seller-12/03/2025 |
Resolved-****Unintentional
violation or bona fide error due to points and fees charged. Lender issued a
restitution check, specific LOE, and proof of delivery. Issued within 60
days, has been provided. - Due Diligence Vendor-12/10/2025 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 12.48 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.86% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.48 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 114871 | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2025-12-03 08:38 | 2025-12-09 07:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is
Present - Due Diligence Vendor-12/09/2025 Ready for Review-Document Uploaded. - Seller-12/04/2025 Open-The Note is Incomplete Note in file is not fully legible and TPR is unable to verify all terms - Due Diligence Vendor-12/03/2025 |
Ready for Review-Document
Uploaded. - Seller-12/04/2025 |
Resolved-The Note is
Present - Due Diligence Vendor-12/09/2025 |
Qualifying FICO is Greater
Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of
xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More
Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.79% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 927432 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 761368 | D | A | D | A | D | A | D | A | Closed | FCOM7396 | 2026-01-16 05:50 | 2026-03-25 20:30 | Resolved | 1 - Information | D | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Initial HELOC Disclosure is Missing | Resolved-The Initial
HELOC Disclosure is Present - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-The initial HELOC Disclosure is MIssing - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document
Uploaded. - Seller-01/20/2026 |
Resolved-The Initial
HELOC Disclosure is Present - Due Diligence Vendor-01/21/2026 |
Original CLTV is Below the
Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.54% Is
Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 761368 | D | A | D | A | D | A | D | A | Closed | finding-47 | 2026-01-16 13:22 | 2026-01-21 17:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-xxx funding
after RTC period, has been provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **The Final Settlement Statement's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document
Uploaded. - Seller-01/20/2026 |
Resolved-SS funding after
RTC period, has been provided - Due Diligence Vendor-01/21/2026 |
Original CLTV is Below the
Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.54% Is
Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 761368 | D | A | D | A | D | A | D | A | Closed | FCOM1263 | 2026-01-16 18:25 | 2026-01-21 17:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of
Rescission is Provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Right of Rescission is Partially Provided ***Disclosure image is cut-off. Bottom part of document is missing; lender to re-upload copies of the executed NORTC. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document
Uploaded. - Seller-01/20/2026 |
Resolved-Right of
Rescission is Provided - Due Diligence Vendor-01/21/2026 |
Original CLTV is Below the
Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.54% Is
Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 761368 | D | A | D | A | D | A | D | A | Closed | FCRE1316 | 2026-01-16 14:34 | 2026-01-21 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document
Uploaded. - Seller-01/20/2026 |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/21/2026 |
Original CLTV is Below the
Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.54% Is
Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 761368 | D | A | D | A | D | A | D | A | Closed | FCRE7497 | 2026-01-16 14:26 | 2026-01-21 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement
provided - Due Diligence Vendor-01/21/2026 Ready for Review-Document Uploaded. - Seller-01/20/2026 Open-Missing HOA statement for xxx - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document
Uploaded. - Seller-01/20/2026 |
Resolved-HOA statement
provided - Due Diligence Vendor-01/21/2026 |
Original CLTV is Below the
Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.54% Is
Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 587889 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-01-23 13:58 | 2026-01-29 12:38 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable **Received Initial Package
- Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-Homeownership Counseling Disclosure Is Missing **** Please provide entire initial disclosure package for review. - Due Diligence Vendor-01/23/2026 |
Ready for Review-Document
Uploaded. - Seller-01/28/2026 |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable **Received Initial Package
- Due Diligence Vendor-01/29/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.59% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 587889 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-01-22 16:07 | 2026-01-29 08:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003
is Present - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/22/2026 |
Ready for Review-Document
Uploaded. - Seller-01/28/2026 |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-01/29/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.59% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.50 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 208698 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-01-27 00:56 | 2026-02-04 06:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003
is Present - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/27/2026 |
Ready for Review-Document
Uploaded. - Seller-02/02/2026 |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-02/04/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.36 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 208698 | D | A | A | A | D | A | A | A | Closed | FCOM7396 | 2026-01-30 19:37 | 2026-02-03 12:12 | Resolved | 1 - Information | D | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Initial HELOC Disclosure is Missing | Resolved-The Initial
HELOC Disclosure is Present **Received Initial disclosure package. - Due
Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-The initial HELOC Disclosure is MIssing ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-01/31/2026 |
Ready for Review-Document
Uploaded. - Seller-02/02/2026 |
Resolved-The Initial
HELOC Disclosure is Present **Received Initial disclosure package. - Due
Diligence Vendor-02/03/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.36 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 208698 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-01-27 09:26 | 2026-02-03 12:11 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable **Received Initial
disclosure package. - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-Homeownership Counseling Disclosure Is Missing ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-01/31/2026 |
Ready for Review-Document
Uploaded. - Seller-02/02/2026 |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable **Received Initial
disclosure package. - Due Diligence Vendor-02/03/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.36 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 208698 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2026-01-27 09:32 | 2026-02-03 12:11 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received FSS -
Due Diligence Vendor-02/03/2026 Resolved- - Due Diligence Vendor-02/03/2026 Ready for Review-Document Uploaded. - Seller-02/02/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx, ROR timing excluded the xxx federal holiday. Please evidence/settlement figures funding after Rescission period. - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/31/2026 Open- - Due Diligence Vendor-01/27/2026 |
Ready for Review-Document
Uploaded. - Seller-02/02/2026 |
Resolved-Received FSS -
Due Diligence Vendor-02/03/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.36 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.36 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 571440 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 957954 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 790053 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 323292 | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2026-03-12 05:55 | 2026-03-16 09:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003
is Present - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document
Uploaded. - Seller-03/13/2026 |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-03/16/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 12.98 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 323292 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-03-12 09:24 | 2026-03-13 15:21 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document
Uploaded. - Seller-03/13/2026 |
Resolved-Homeownership
Counseling Disclosure Is Present or Not Applicable - Due Diligence
Vendor-03/13/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 12.98 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 323292 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-03-12 17:28 | 2026-03-13 15:21 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required
Affiliated Business Disclosure Resolved - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/13/2026 Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/12/2026 |
Ready for Review-Document
Uploaded. - Seller-03/13/2026 |
Resolved-Required
Affiliated Business Disclosure Resolved - Due Diligence Vendor-03/13/2026 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 12.98 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 430577 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 970971 | D | A | A | A | D | A | D | A | Closed | finding-1795 | 2026-04-08 11:04 | 2026-04-16 14:31 | Cured | 1 - Information | C | A | Compliance | Points & Fees | RI Providence ORPL Points and Fees Threshold Test | Cured-**Received cure
package with copy of electronic refund check, email LOE, and proof of
delivery. - Due Diligence Vendor-04/16/2026 Resolved-**Received cure package with copy of electronic refund check, email LOE, and proof of delivery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. No CD on helocs, will the fees sheet work? - Seller-04/16/2026 Counter-***Received LOE email, copy of e-check refund. Missing corrected PCCD, lender to provide. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Counter-***Lender has the option to issue a refund to cure. - Due Diligence Vendor-04/14/2026 Ready for Review-Can we refund the processing fee and upload proof of check, PCCD, and LOE to borrower? - Seller-04/13/2026 Counter-**The loan failed the xxx High Cost test due to the total of points and fees exceeded the 5% threshold. The lender's Loan Detail Report in the original file also confirms the lender's compliance test resulted in a fail of the same test. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-*************** Total Points and Fees exceed 5% of the Total Loan Amount. Loan Data $xxx; Comparison Data $xxx = Variance/violation $xxx. Fees included in testing: Loan Discount Fee paid by Borrower: $xxx Processing Fee paid by Borrower: $xxx Underwriting Fee paid by Borrower: $xxx, Settlement / Closing / Escrow Fee paid by Borrower: $xxx Title Courier Fee paid by Borrower: $xxx Closing Protection Letter Fee paid by Borrower: $xxx Recording Service Fee paid by Borrower: $xxx - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open-This loan failed the points and fees threshold test due to one of the following findings: (xxx Providence xxx § 2 (a) "predatory loan") , (xxx HB 7814 § 1, RI § 34-25.2-4 (l), (r))The loan has a "total loan amount" of $xxx or more and the total "points and fees" less any excluded points and fees exceed 5% of the total loan amount; orThe loan has a "total loan amount" less than $xxx and the total "points and fees" less any excluded points and fees exceed 8% of the total loan amount. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. No CD on helocs, will the fees sheet work? - Seller-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Ready for Review-Can we refund the processing fee and upload proof of check, PCCD, and LOE to borrower? - Seller-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 |
Cured-**Received cure
package with copy of electronic refund check, email LOE, and proof of
delivery. - Due Diligence Vendor-04/16/2026 Resolved-**Received cure package with copy of electronic refund check, email LOE, and proof of delivery. - Due Diligence Vendor-04/16/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 970971 | D | A | A | A | D | A | D | A | Closed | finding-1689 | 2026-04-08 11:04 | 2026-04-16 14:31 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | RI HLPA High-Cost Home Loan Points and Fees Threshold Test | Resolved-**Received cure
package with copy of electronic refund check, email LOE, and proof of
delivery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. No CD on helocs, will the fees sheet work? - Seller-04/16/2026 Counter-***Received LOE email, copy of e-check refund. Missing corrected PCCD, lender to provide. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Counter-***Lender has the option to issue a refund to cure. - Due Diligence Vendor-04/14/2026 Ready for Review-Can we refund the processing fee and upload proof of check, PCCD, and LOE to borrower? - Seller-04/13/2026 Counter-**The loan failed the xxx High Cost test due to the total of points and fees exceeded the 5% threshold. The lender's Loan Detail Report in the original file also confirms the lender's compliance test resulted in a fail of the same test. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. we removed processing and underwriting fees, can we send a check to borrower for this amt and proof of delivery to cure this? - Seller-04/10/2026 Open-*************** Total Points and Fees exceed 5% of the Total Loan Amount. Loan Data $xxx; Comparison Data $xxx = Variance/violation $xxx. Fees included in testing: Loan Discount Fee paid by Borrower: $xxx Processing Fee paid by Borrower: $xxx Underwriting Fee paid by Borrower: $xxx, Settlement / Closing / Escrow Fee paid by Borrower: $xxx Title Courier Fee paid by Borrower: $xxx Closing Protection Letter Fee paid by Borrower: $xxx Recording Service Fee paid by Borrower: $xxx - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open-This loan failed the points and fees threshold test due to one of the following findings: (xxx HB 7814 § 1, xxx § 34-25.2-4 (l), (r))The loan has a "total loan amount" of $xxx or more and the total "points and fees" less any excluded points and fees exceed 5% of the total loan amount; orThe loan has a "total loan amount" less than $xxx and the total "points and fees" less any excluded points and fees exceed 8% of the total loan amount. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. No CD on helocs, will the fees sheet work? - Seller-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Ready for Review-Can we refund the processing fee and upload proof of check, PCCD, and LOE to borrower? - Seller-04/13/2026 Ready for Review-Document Uploaded. we removed processing and underwriting fees, can we send a check to borrower for this amt and proof of delivery to cure this? - Seller-04/10/2026 |
Resolved-**Received cure
package with copy of electronic refund check, email LOE, and proof of
delivery. - Due Diligence Vendor-04/16/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 970971 | D | A | A | A | D | A | D | A | Closed | finding-1697 | 2026-04-08 11:04 | 2026-04-16 14:30 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | RI HLPA High-Cost Home Loan Grace Period Test | Resolved-**Received cure
package with copy of electronic refund check, email LOE, and proof of
delivery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. No CD on helocs, will the fees sheet work? - Seller-04/16/2026 Counter-***Received LOE email, copy of e-check refund. Missing corrected PCCD, lender to provide. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Counter-***Lender has the option to issue a refund to cure. - Due Diligence Vendor-04/14/2026 Ready for Review-Can we refund the processing fee and upload proof of check, PCCD, and LOE to borrower? - Seller-04/13/2026 Counter-**The loan failed the xxx High Cost test due to the total of points and fees exceeded the 5% threshold. The lender's Loan Detail Report in the original file also confirms the lender's compliance test resulted in a fail of the same test. - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-*************** Total Points and Fees exceed 5% of the Total Loan Amount. Loan Data $xxx; Comparison Data $xxx = Variance/violation $xxx. Fees included in testing: Loan Discount Fee paid by Borrower: $xxx Processing Fee paid by Borrower: $xxx Underwriting Fee paid by Borrower: $xxx, Settlement / Closing / Escrow Fee paid by Borrower: $xxx Title Courier Fee paid by Borrower: $xxx Closing Protection Letter Fee paid by Borrower: $xxx Recording Service Fee paid by Borrower: $xxx - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/09/2026 Open- - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 Open-This loan failed the grace period test. (xxx HB 7814 § 1, xxx § 34-25.2-6 (k))The loan has a late payment fee that is assessed for a payment past due for less than 15 days. - Due Diligence Vendor-04/08/2026 Open- - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. No CD on helocs, will the fees sheet work? - Seller-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/15/2026 Ready for Review-Can we refund the processing fee and upload proof of check, PCCD, and LOE to borrower? - Seller-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 |
Resolved-**Received cure
package with copy of electronic refund check, email LOE, and proof of
delivery. - Due Diligence Vendor-04/16/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 970971 | D | A | A | A | D | A | D | A | Closed | FCOM7396 | 2026-04-09 09:24 | 2026-04-13 11:03 | Resolved | 1 - Information | D | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Initial HELOC Disclosure is Missing | Resolved-The Initial
HELOC Disclosure is Present - Due Diligence Vendor-04/13/2026 Resolved-**Received disclosure - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-The initial HELOC Disclosure is MIssing Initial IMPORTANT TERMS OF OUR HOME EQUITY LINE OF CREDIT, and all Initial disclosures, have not been provided. - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document
Uploaded. - Seller-04/10/2026 |
Resolved-The Initial
HELOC Disclosure is Present - Due Diligence Vendor-04/13/2026 Resolved-**Received disclosure - Due Diligence Vendor-04/13/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 970971 | D | A | A | A | D | A | D | A | Closed | FCOM1266 | 2026-04-09 08:45 | 2026-04-13 10:42 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-***Received
disclosure - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure, and all Initial Disclosures, not provided - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document
Uploaded. - Seller-04/10/2026 |
Resolved-***Received
disclosure - Due Diligence Vendor-04/13/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 970971 | D | A | A | A | D | A | D | A | Closed | FPRO1242 | 2026-04-08 20:03 | 2026-04-13 08:16 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-PDI Provided -
Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-Per guidelines For loan amounts ≤ $xxx, one of: ▪ AVM (see requirements below) + Property Inspection Report (or) Full interior appraisal (Fannie Mae Form 1004, 1073 or 1025). Missing Property Inspection Report - Due Diligence Vendor-04/09/2026 |
Ready for Review-Document
Uploaded. - Seller-04/10/2026 |
Resolved-PDI Provided -
Due Diligence Vendor-04/13/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 970971 | D | A | A | A | D | A | D | A | Closed | FCOM1231 | 2026-04-08 01:09 | 2026-04-13 08:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003
is Present - Due Diligence Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Open-The Initial 1003 is Missing The Initial 1003 and all Initial Disclosures, have not been provided - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. - Seller-04/10/2026 |
Resolved-The Initial 1003
is Present - Due Diligence Vendor-04/13/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.70 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |||
| 291725 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 753396 | D | B | A | A | D | A | D | B | Closed | FPRO7466 | 2026-06-03 11:56 | 2026-06-08 11:21 | Waived | 2 - Non-Material | C | B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted
to allow clear capital AVM with a confidence score of 87 as the primary
valuation. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. xxx provided exception approval - Seller-06/04/2026 Open-2 part condition - per Guidelines: Confidence Rating / FSD by Vendor: xxx (≥ 90% / ≤ 0.10) - Confidence score is 87 FSD 0.13 also Guidelines require a PCI report which is missing from the Loan file - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document
Uploaded. xxx provided exception approval
- Seller-06/04/2026 |
Waived-Exception granted
to allow clear capital AVM with a confidence score of 87 as the primary
valuation. - Due Diligence Vendor-06/08/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 14.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 48.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 753396 | D | B | A | A | D | A | D | B | Closed | FPRO1242 | 2026-05-21 11:04 | 2026-06-03 11:59 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Attached - Seller-06/02/2026 Open-Appraisal is Missing For loan amounts ≤ $xxx, one of: ▪ AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (Fannie Mae Form 1004, 1073 or 1025 - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document
Uploaded. Attached - Seller-06/02/2026 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-06/03/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 14.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 48.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 753396 | D | B | A | A | D | A | D | B | Closed | FCOM7353 | 2026-05-27 08:53 | 2026-06-02 14:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-**Received
system screen capture and explanation. Although TPO information indicates a
submitted date of xxx, the document provided confirms an application date of
xxx and 3 business days initial disclosures requirement. The xxx Report in
the file also confirms application date is xxx. - Due Diligence
Vendor-06/02/2026 Ready for Review-Document Uploaded. As a xxx loan, the timeline is tied to their submission which is documented with the attached. Submitted on xxx and disclosed on xxx. - Seller-06/02/2026 Open-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. Thank you - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document
Uploaded. As a xxx loan, the timeline is tied to their submission which is
documented with the attached. Submitted on xxx and disclosed on xxx. - Seller-06/02/2026 |
Resolved-**Received
system screen capture and explanation. Although xxx information indicates a
submitted date of xxx, the document provided confirms an application date of
xxx and 3 business days initial disclosures requirement. The xxx Report in
the file also confirms application date is 4/8/2026. - Due Diligence
Vendor-06/02/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 14.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 48.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 753396 | D | B | A | A | D | A | D | B | Closed | FCOM1274 | 2026-05-22 03:25 | 2026-06-02 14:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is
Present or Not Applicable - Due Diligence Vendor-06/02/2026 Ready for Review-This is a second lien no escrows and no escrow waiver is needed. - Seller-06/02/2026 Open-Escrow Waiver is Missing - Due Diligence Vendor-05/22/2026 |
Ready for Review-This is a
second lien no escrows and no escrow waiver is needed. - Seller-06/02/2026 |
Resolved-Escrow Waiver is
Present or Not Applicable - Due Diligence Vendor-06/02/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 14.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 48.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 334651 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-05-22 03:23 | 2026-06-09 07:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1
Business Bank Statements Provided - Due Diligence Vendor-06/09/2026 Ready for Review-Per instructions, Using Lenders Income worksheet - Due Diligence Vendor-06/08/2026 Counter-Lenders Income worksheet is being provided however the condition is for the actual Bank statements used to qualify the borrower. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Counter-Please provide all 12 months Bus B/S used to qualify the bwr's income "xxx" - Due Diligence Vendor-06/01/2026 Ready for Review-Please access bank statements through Greenline - Seller-05/29/2026 Open-Borrower 1 Business Bank Statements Missing Missing all business bank statements to calculate borrowers income for the following businesses: xxx - Due Diligence Vendor-05/22/2026 |
Ready for Review-Document
Uploaded. - Seller-06/05/2026 Ready for Review-Please access bank statements through xxx - Seller-05/29/2026 |
Resolved-Borrower 1
Business Bank Statements Provided - Due Diligence Vendor-06/09/2026 |
Borrower 1 Has Stable Time
In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In
Profession By Ten (10) Years Or More - 20.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 322945 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-05-27 08:41 | 2026-06-16 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1
Business Bank Statements Provided - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/15/2026 Counter-Document Uploaded. The excel spreadsheet provided for this borrower only reflects the Eligible deposits and is missing the additional tabs needed - Please see screenshot of required information - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. Sorry! Please see attached . - Seller-06/11/2026 Counter-Document Uploaded. Correct, a Full excel spreadsheet is acceptable however what was provided (excel worksheet) is for a Borrower named xxx is requesting the Excel worksheet for the borrower on this loan which is "xxx" - Due Diligence Vendor-06/11/2026 Ready for Review-Hi, This one was previously discussed by upper management with xxx directly. We used the xxx. Please clear. - Seller-06/10/2026 Counter-Please provide the Income worksheet for xxx, the Excel sheet provided is for another borrower. - Due Diligence Vendor-06/09/2026 Ready for Review-Per instructions, Using Lenders Income worksheet - Due Diligence Vendor-06/08/2026 Counter-Lenders Income worksheet is being provided however the condition is for the actual Bank statements used to qualify the borrower. - Due Diligence Vendor-06/08/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Counter-The condition is for Missing all 24 months Business B/S that were used to qualify the loan - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. please see attached income worksheet. - Seller-05/28/2026 Open-Borrower 1 Business Bank Statements Missing Missing 24 months Business Bank statements for xxx. - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document
Uploaded. - Seller-06/15/2026 Ready for Review-Document Uploaded. Sorry! Please see attached . - Seller-06/11/2026 Ready for Review-Hi, This one was previously discussed by upper management with xxx directly. We used the xxx. Please clear. - Seller-06/10/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Ready for Review-Document Uploaded. please see attached income worksheet. - Seller-05/28/2026 |
Resolved-Borrower 1
Business Bank Statements Provided - Due Diligence Vendor-06/16/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 322945 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-05-22 10:55 | 2026-05-29 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document
is fully Present - Due Diligence Vendor-05/29/2026 Ready for Review-HELOCs don't require a title commitment. This is a HELOC - Seller-05/28/2026 Counter-Missing Full Title Policy for Subject Loan - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/27/2026 Open-Title Document is missing - Due Diligence Vendor-05/22/2026 |
Ready for Review-HELOCs
don't require a title commitment. This is a HELOC - Seller-05/28/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/27/2026 |
Resolved-Title Document
is fully Present - Due Diligence Vendor-05/29/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.95% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 289418 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| 145551 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-12-22 01:32 | 2025-12-24 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document
is fully Present - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. - Seller-12/23/2025 Open-Title Document is missing Missing title commitment - Due Diligence Vendor-12/22/2025 |
Ready for Review-Document
Uploaded. - Seller-12/23/2025 |
Resolved-Title Document
is fully Present - Due Diligence Vendor-12/24/2025 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 148.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 111922 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-04-23 02:00 | 2026-05-04 13:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Uber VOE
provided on letterhead - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. - Seller-05/01/2026 Counter-Uber document provided does not reflect business address for xxx and not on company letterhead. - Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document
Uploaded. - Seller-05/01/2026 Ready for Review-Document Uploaded. - Seller-04/24/2026 |
Resolved-Uber VOE
provided on letterhead - Due Diligence Vendor-05/04/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 55.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 500251 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 972908 | D | B | D | A | A | A | D | B | Closed | FPRO7466 | 2026-06-01 13:12 | 2026-06-10 13:12 | Waived | 2 - Non-Material | C | B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Investor provided
exception with compensating factors for greater reserves required, lower CLTV
10% and lower DTI of 5% below guides.
- Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Email exception - Seller-06/05/2026 Counter-The AVM provided reflects a Confidence score of 86% and FSD score of 0.14 - Per Guidelines: AVM: Acceptable confidence ratings are ≥ 90% and acceptable FSD scores are ≤ 0.10. - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. - Seller-06/02/2026 Open-Per Guidelines: AVM: Acceptable confidence ratings are ≥ 90% and acceptable FSD scores are ≤ 0.10. If the AVM does not provide the required FSD score or confidence rating, AVM is considered ineligible, and an Exterior-Only or Full Interior Appraisal is required. AVM provided reflects a Confidence score of 86% and FSD score of 0.14 - Due Diligence Vendor-06/01/2026 |
Months Reserves Of 6.22
Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More - 06/10/2026 Ready for Review-Document Uploaded. Email exception - Seller-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/02/2026 |
Waived-Investor provided
exception with compensating factors for greater reserves required, lower CLTV
10% and lower DTI of 5% below guides.
- Due Diligence Vendor-06/10/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 6.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 972908 | D | B | D | A | A | A | D | B | Closed | FCRE8201 | 2026-06-01 13:05 | 2026-06-05 13:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Docs provided
showing name change. - Due Diligence
Vendor-06/05/2026 Ready for Review-Document Uploaded. - Seller-06/04/2026 Open-Missing legal name affidavit from xxx - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document
Uploaded. - Seller-06/04/2026 |
Resolved-Docs provided
showing name change. - Due Diligence
Vendor-06/05/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 6.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 972908 | D | B | D | A | A | A | D | B | Closed | FCRE1145 | 2026-05-26 07:39 | 2026-06-01 13:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document
is fully Present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-Title Document is missing - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document
Uploaded. - Seller-05/29/2026 |
Resolved-Title Document
is fully Present - Due Diligence Vendor-06/01/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 6.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 972908 | D | B | D | A | A | A | D | B | Closed | FPRO1242 | 2026-05-26 11:30 | 2026-06-01 13:15 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-AVM
provided - Due Diligence
Vendor-06/01/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-Appraisal is Missing - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document
Uploaded. - Seller-05/29/2026 |
Resolved-AVM
provided - Due Diligence
Vendor-06/01/2026 Resolved-Appraisal has been provided - Due Diligence Vendor-06/01/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 6.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 972908 | D | B | D | A | A | A | D | B | Closed | FCRE6019 | 2026-05-26 07:16 | 2026-06-01 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid DL
provided - Due Diligence
Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-Borrower 1 Citizenship Documentation Is Missing Citizenship Documentation Is Missing - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document
Uploaded. - Seller-05/29/2026 |
Resolved-Valid DL
provided - Due Diligence
Vendor-06/01/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 6.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 972908 | D | B | D | A | A | A | D | B | Closed | FCRE1158 | 2026-05-27 15:24 | 2026-06-01 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. xxx is missing - Due Diligence Vendor-05/27/2026 |
Ready for Review-Document
Uploaded. - Seller-05/29/2026 |
Resolved-Hazard Insurance
Policy is fully present - Due Diligence Vendor-06/01/2026 |
Months Reserves Are
Greater Than The Guideline Minimum By Six (6) Or More Months - Months
Reserves Of 6.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or
More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 815938 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-05-26 16:15 | 2026-06-01 11:25 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. - Seller-05/29/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/26/2026 |
Ready for Review-Document
Uploaded. - Seller-05/29/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-06/01/2026 |
Original LTV Is Below The
Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.9% Is
Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 845218 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-07-22 07:36 | 2025-07-25 11:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved- - Due Diligence
Vendor-07/25/2025 Ready for Review-Document Uploaded. - Seller-07/24/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing all Verbal VOEs for borrower employment (xxx). - Due Diligence Vendor-07/22/2025 |
Ready for Review-Document
Uploaded. - Seller-07/24/2025 |
Calculated DTI Is Less
Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of
41.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or
More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.44% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||||
| 656460 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |